Answering before having read the thread, so this may be a repeat (or not).....I do not have a 401k, as I am working freelance.My only debt are 3 student loans, all at fixed interest rates:Loan 1: $7600 @ 4.875%Loan 2: $5900 @ 6.8%Loan 3: $3700 @ 5.00%I would like to contribute an additional $200 (or so) monthly You have an emergency fund, which is very good.After that, I'd start paying down the loans. Starting with the highest rate first. My reasoning is two-fold. One, no debt is good, IMHO. Eventually, debt limits your options in your career and life. Two, paying off debt is a "guranteed" return. Investing, even in a sure thing, is not. Look at your highest loan rate, its pretty much at the historical average return of the S&P500. If someone offered you that as a guranteed return for the next 5 years you'd probably take it.Pay off debt then worry about investing.JLC
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