**Overview:** Bought a house about 5 months ago in May, and then got a better job with a 401k and experienced a retirement existential crisis realizing i'm far behind where I want to be. Before the new job I was just focusing on paying extra on the mortgage, ignoring my student loans in forbearance and only planning to max out my Roth IRA. Now i'm making more money and I want to invest in my 401k, pay extra on the mortgage, pay towards my student loans, max out my Roth IRA, finish funding my $10k emergency fund, and if I have extra start a taxable brokerage account. As you can see I'm going to be stretching myself thin, and need opinions on what I should focus on more. **Income:** Take home pay is roughly $5k per month **Notable Assets:** $20k (BTC/ETH held since 2016) $16k (Roth IRA maxed out the past 2 years) $5k (HYSA emergency fund, want to increase to $10k) $0 (new 401k) **Debts:** $88k (mortgage 7.25%) $27k (student loans shown below) $2,957.21 6.800% $4,054.08 4.660% $2,027.03 4.660% $5,062.25 4.290% $1,923.65 4.290% $3,033.59 3.860% $2,022.41 3.860% $3,032.72 3.760% $2,928.59 3.400% **My thoughts:** My mortgage payment is only $802 per month and i've been paying an extra $1k on top towards principle each month, with a 7.25% interest rate this has already saved me a TON of future interest payments. Currently each additional $1k takes about 10 months off the loan and saves me 5k in interest so it seems like a smart move. My student loans have been in forbearance since covid, so I currently don't have to pay them but they are accruing interest again, so I think i need to start paying them down finally, I had thoughts of splitting up my extra $1k mortgage principle payment and doing $500 towards the student loans and $500 towards the principle payments. Obviously I would start paying down the highest interest ones first, and if loan payments start back up I'll put whatever's left of the 500 towards the highest interest one. My 401k... okay so here's my plan to jump start my retirement to get back on track. My employer's contributions are a flat 25% of whatever I contribute with no limit plus 2% profit sharing, so to get the full employer match I need to max out my 401k. I've set my contribution amount to 25% which is high, but it should get me close to the 401k max within 12 months. I have my contributions set to Roth, and I plan to keep my employer contributions as traditional. I picked a 50/50 split between S&P and a large cap growth fund. The way I'm understanding everything is that with my employer match im basically getting an automatic 25% gain on all the money i invest in it which would seem stupid not to take advantage of to the fullest. My Roth IRA is already maxed for this year but it shouldn't be hard to max it again next year. Currently it's allocated 35% FXAIX, 25% QQQM, 25% SCHG, 15% SCHB. If you have any suggestions on my portfolio let me know, im going for maximum gains but not interested in individual stocks. Also curious of people's views on dividend investing in the Roth, or if I should just shoot for gains now and buy dividend stocks way later. My HYSA emergency fund is set up to get $250 a week sent from my checking account until it reaches $10k, my minimum monthly expenses is probably about $1500 and my HYSA already has $5k in it so this should be fully funded in 20 weeks. Taxable brokerage... Should I bother with this or focus my extra money towards the mortgage/student loans first? **Conclusion:** Am I on the right track with focusing this hard on my 401k? Being debt free is just as important to me as investing so I would really like to focus on paying my house off and at least the higher interest student loans even if the numbers say I would gain a small % investing over making additional principle payments. Sorry if my presentation is sloppy, i've never been good at putting my thoughts into one place, just let me know if you need a better explanation of any of these points or something i've missed.