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I am 28 years old and have just purchased my first home, within the last two months. I am questioning the benefit of 1.) paying a little extra on the mortgage each month vs. 2.) fully funding a Roth IRA. In other words, putting $2000 toward the principle of my mortgage vs. $2000 in the Roth IRA.

Unfortunately, as a new homeowner..tight finances... both scenarios are mutually exclusive.

Could someone please help me to understand which alternative would be most beneficial for me?
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