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Subject:  Help, did I wait to long? Date:  10/28/1999  4:32 PM
Author:  TRYSTERO Number:  14896 of 78165

Having laid my soal bare on two previous occasions, and been rewarded with several answers,(some quite helpfull, despite their arrogant and condecending
in tone)I come again to place my ego on the block
and get some advice. With the smelly plastic albatross of credit card debt hanging about my neck,(aprox. 20K)and with the mantra of " pay off the plastic first " droaning in my head while I attempt
to downgrade my life style and delete the waste in
my budget I sense another monster lurking in the wings. THE IRS. Our joint income (wife and self)has been in the mid 80K to mid 90K range over the last
several years, and we have been fourced to file
short form because we've had no deductions.
The suggestions to start IRA's fell on stubbornly unFoolish ears. We were having too much fun being neuvo middle class. About six months ago we
purchased our first home, cashing in my wife