No. of Recommendations: 1
3) Being only $10k I can replace it in 2 years with this improved cashflow, once the CCs are paid off... which will likely be the end of this year... which means, if I'm not mistaken, I could actually repay myself completely by the beginning of 2014 if I time the two year's deposits correctly.

I am not sure what this statement means. Once you have taken that money out of your IRA, you cannot put it back. You can make future contributions up to the annual limit, but you cannot put back contributions that you have withdrawn.

I'm not sure if you think that you can somehow put it back in the IRA, but that is not something you can do.

Good luck on the rest of the paydown.
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