I'm currently 23 years old as an O-1 in the Army. I'm all about retirement and saving as much as I can for my Wife and I's future. Unfortunately, a lot of our income goes to paying off debt. Combined we have over $100,000 in debt (school loans and car loan). I was contributing to my Roth IRA and Roth TSP, but decided recently to stop saving all together and put all of our money towards paying off debt. After going through the numbers, we can have the debt paid off within 3-4 years. Is it smart for me to put all of our money towards debt, or should we still invest some money in the Roth IRA and TSP simultaneously ? Any advice would be greatly appreciated.