in addition to 401(k) options need some thinking and work. One of my predicaments is that I have student loan debt of a substantial amount at 2.85% to 3.125%.. Part of me wants to pay that down quickly because I have non-401(k) personal investments I could liquidate in addition to cash I could use to pay the entire amount off. Paying that off would be a realized 2.85% to 3.125% savings, but would also represent tying up those funds that I could invest, which would probably yield higher than that percentage. My current plan is to pay the student loan off over the next few years in chunks while investing at the same time. Anyone with thoughts?

Your post reminds me that I need to diversify into real estate more than just my house. It also reminds me to eat out less. Thanks for posting