Be very careful investing. Lots of fee's and restrictions... I never liked to rules you have to wait till your 59 1/2 to pull the money or they hit you with a 10% fee. IT'S YOUR MONEY!!! Do you know if you are investing in? ETF's, mutual funds or stock indexes? Example of fee's... In an equity fund where the historical gross return might be 8%, a 1% expense ratio will consume approximately 12.5% of the investor's return. Are you aware of "Management Fees" or "Distribution or Service (12b-1) Fees as well?
Other things to think about... What would happen if you were going to retire and we had another 9/11? Or another bubble? Are they going to raise the retirement age? It's YOUR MONEY!!! Just remember, the big fish eat the little fish on Wall Street.
I think it's better to pay off your house first. This is what I did. I'm 38 years old without a mortgage or credit card bills. Now I am looking into real estate... YOU CAN write the off money that way as well.
Think about all the money you pay in interest over the course of your loan on a house? The interest is compounded up front too. You only get back a fraction of your interest paid.
Like what was mentioned, pay your higher interest first. Don't pay 10-15% interest on your credit cards THEN turn around and invest in a retirement account. You won't make 10-15% in the market on a consistant basis... it's dumb.
Joe