First thing THERE IS NO SUCH THING AS BEING TOO FOCUSED ON ELIMINATING DEBT . You did the right thing there . The reason your retirement seems more complex is because you are trying to cheat the system not a bad thing . Based on what you claim to make , there is really no reason to worry about these things . Do what you can into a 401 k and the rest should be long term fund investments with solid dividend returns . With your income , trying to reduce your tax implication is like WTF ? unless you are already paying a personal taxman . <| sep |> Sounding gone wrong . <| sep |> No particular story but for consistency I ' d like to give a shout out to the security check folk at Dublin airport . Every time i pass through it ' s always a pleasant experience in so far as queuing to get only partially felt up can be . Compared to international airports Dublin is a fucking dream .