My spouse and I (mid 30s) own a home, have an emergency fund ($50k), have access to a 401k but no employer matching and are not currently enrolled. Together we have about $140k in Traditional IRAs but also $160k in student loans averaging 6% interest. Six months ago we paused on saving and began aggressive debt payoff using the Avalanche method, we’ve brought student debt down from $170k to $160k in six months. We are not currently saving for retirement because we’re throwing every extra dollar at debt. If our income/bonus projections are correct, we should be out of student debt in 2-3 years at which point we’ll pivot back to saving for retirement and hopefully saving for a down payment for a second home that will accommodate our growing family as we plan to make this home a rental. Aside from student debt and our mortgage, we have no other debt. Is our strategy wise or should we do something else?