[boefixepa]

Sounds like you have a wonderful plan going!! I don't know what the rates you have on everything is and this is what my guru frind (aka, self-made millionare, by working hard and being furgal) told me about student loans and mortgages.

If the rate of return you can get on investments is larger than the interest rates you are paying on your loans, you will make more money in the long run investing rather than paying down debt. If the reverse is true, you get a better return on your money paying off debt.

So if you Roth is currently averaging 10% a year max that out as it will have a better return than your mortgage or your student loans. Heck if you have a great student loan rate, even ING is better. If your motgage is around, say 6%, and your investment account is about that, then you are better off paying off the mortgage.

You'll have to run some numbers and see. You have to look long term, consider inflation, and taxes, and really crunch the numbers to be sure. There is also the nice feeling of being completely out of debt!!! The thing about investments though is TIME. Time can be your best friend or your worse enemy. So say you have 40K you want to 'snowball' over these three years to save yourself 20K in interest on your mortgage. What would that 40K be worth with three extra early years in an investment at an average of say even a modest 10% twenty years for now....that's the question you are dealing with and the baises for my friends advice.

Crunch the numbers and see. Either way...you are doing great!!!