time frame is 15 years to retire. yes a 19yo and a 18 both are in college and have student loans. yes i know bad decisions but given our economic teachings thats how we learned only here in the past few months have i learned better. I do have a vanguard account but no funds going that way first. Honestly im thinking of stopping all investments untill i become debt free then really sock it to it.
Start with the highest APR% and work your way down; below that, focus on investing. At a minimum, max out your tax-deferred savings before paying off low-interest debt.
I have some consumer debt that I'd love to be rid of, but the rates are 0% and 2.25% I'm pacing it so I can max out my TSP, IRA, etc, and keep buying rentals, and not lose out on the 8-10% (or higher) returns that most of these investments earn. Between tax savings and employer match, a dollar sent to TSP earns almost a 100% return the same day.
Other things to consider:
Refinance the mortgage if at all possible. The rate is really high! I have two at 3.375%(my primary residence and a rental).
Maybe you can even cash out and roll some of that high-rate debt into it.
What are the rates on the consumer/medical debt? Can they be negotiated?