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<p>[QUOTE=&quot;bg35765, post: 1669725, member: 42710&quot;]The Dave Ramsey plan is a good one.</p><p><br /></p><p>If you invest in an IRA, make sure it is a Roth IRA.&nbsp; A regular IRA would give you a tax deduction now, but you would pay taxes on it later.&nbsp; With a Roth you will pay taxes on it now, but get to withdraw it later tax free.</p><p><br /></p><p>Since you make about $40,000 per year you are in a very low tax bracket now, but might not be when you are in your late 60s.&nbsp; So pay the taxes now while your tax rate is low.[/QUOTE]</p><p><br /></p>

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