Backdoor Roth or Kill student loans. Interest rates are 0% and .95% (0 will go to 4% soon and .95% is variable - total about 62K) I’ve never contributed to a Roth and now I make above the income limits. I max 401K and also put 16500 or so into ESPP annually (free money)

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Take the guaranteed return and pay off your student loans.

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Yeah the thing is there are annual contribution limits. You’re essentially missing out if you miss a year of contributions. I was thinking in the scenario of just putting that 6K directly to loans plus whatever else I can to accelerate payoff. I won’t be able to pay my maximum amount plus contribute 6K. I also need to continue to save in general otherwise I could rock this whole thing quickly.

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