Money matters befuddle even the smartest of us, especially when a dilemma arises that doesn’t lend itself to logic. Ever wonder if you should be throwing that extra cash toward your credit card debt or saving for retirement? Or both? What about leasing or buying a car? Do you know what’s best for your wallet?

Here’s some great advice from Money Magazine, which covers six common money dilemmas:

1) Pay off a credit card OR fund your 401K?

2) Save in a Roth 401K OR a regular 401K?

3) Lease a car OR buy a car?

4) Prepay your mortgage OR invest?

5) Buy a home OR rent a home?

6) Take Social Security early OR late?

Besides tackling these common dilemmas “strictly by the numbers,” this article also considers exceptions to the rules and things that go beyond the math. Because sometimes, the “sleep factor” — what allows you to sleep at night — is just as important as the dollars and cents.

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