Pay PMI or make max ROTH contribution So first and foremost I make my 401k employer match, max my HSA  and pay all my living expenses and keep a 6 month emergency fund. 

Next, right now I am under 20% down on my house (I put 10k down on a 200k house last week, 5% interest). I will pay 170/month for PMI until I hit 78% LTV. this is like paying 6.5% interest in addition to the 5% mortgage interest (11.5% all together). 

So my question is, do I take our extra cash throughout the year and max our ROTH contributions or do I pay on the mortgage as much as possible to get to 20%? 

Right now I make 130k/year but have 137k in student loans. My wife doesn't work and we have 1 child. We're both 26 

