re: What would the MT board do ? Regarding condo sale and student loan balance

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1) make one huge payment and get rid of it entirely

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Yep, do this. This debt will weigh you down forever. The delta from 4.24% vs 5% in CDs is beans. Pay the sucker off

Take $13.5K out of the ~$33K left from sale of condo and fund your '23 and '24 Roth ($6.5K for '23 and $7K for '24)

Put the remaining $19.5K in that CD or open a taxable brokerage account or boost your emergency savings or go on a kick arse vacation

Definitely up your 401K to 15%

Take what was the payment for you student loan and save it going forward to fund your Roth on Jan 1st '25, rinse and repeat going forward