Hi there - I'm a high-earning, recently found MMM in March, trying-to-reform spendypants.
Since finding MMM, all my CC debt is wiped and I've maxed my 401k and HSA. Now what's left for debt (besides home/rental prop) is a 65k student loan that I just refinanced from a loooong graduated repayment plan to a 10-yr at 4.49% and I have a 0% car loan. I'm going to just make the minimums on the car payment until it's paid off in 1 year. And I'm making a little more than double payments on the student loan. With expected bonuses, I should be able to wipe it out within 1 year with a lump sum in early 2018. That said, I still have some room in the budget. I will not get a tax deduction contributing to an IRA and my employer does not allow a back-door ROTH. Should I pay the student loan down faster? Contribute non-tax deductible dollars to an IRA? Or should I open a taxable investment account?
Thank you for any help - this seems to be at the very end of the investment order and I'm not sure what to do and am new to all of this.