I have a house mortgage at approx $513k at 6.13%, a personal loan of $20k at 4.5% … No credit card debit.. No auto loan.. We both max our 457 accounts .. max contribute to HSA… and are on track to max contribute our Roths via back door contribution. I was gifted $5k and am not sure how or where to apply those funds…?
Seeking opinions and ideas.