As I stated earlier, "My theory is that I can put the funds back into my IRA with the money that I was using to pay the Min. on the CCs." This means that I will have ~$30 in my IRA in ~10 years.What JAFO is saying is that you'll miss all the years of growth that the IRA would have. By the time you get it back to $14,000, the original amount would have been more than $20,000.Nancy
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