1. Try very hard not to cash in your Roth. Instead, reduce the amount of new money you are saving for retirement this year. Unless you have a terrible emergency, you want to add every year. http://boards.fool.com/Messages.asp?id=10400180000000002. Try hard not to keep your Roth in cash; invest it. If uncomfortable, put half in a stock index fund for 6 months. Get comfortable with that and then invest the other half.
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