Anyway, for now I'm primarily concerned with paying a debt for what I need (housing). While worrying somewhat about pension, I'm kind of happy I'm not too deep

Anyway, for now I'm primarily concerned with paying a debt for what I need (housing). While worrying somewhat about pension, I'm kind of happy I'm not too deep into where to put excess capital. First World problems. IMO Paying your debt always seems prudent - whether we'll see huge inflation or even deflation - when you can live in the thing you're paying for.