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[quote=Anonymous]I am 27 and just paid off the last of my credit card debt (wasn't that much but still took a lot of willpower). I have no student loans or any other debt except for my car loan. I have 2 years left on it and it's $310/month. I have $500 saved (not much, I know) and will be getting $1000 back on tax returns. I have been researching a lot on IRAs (I have no 401k at work) and have chosen a Vanguard target retirement fund. I will have about $500/month in extra income starting now. Should I take the $1000 (from tax return) and open it now, and start putting in $200/month, while saving $200/month into an emergency fund? I haven't had any extra monthly income until now, and I have no EF but understand the importance of funding an IRA sooner than later. [/quote]
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