Great points, and a lot to ponder.MaestroCindi hit the nail on the head when she asked how long the rates will be at 1.9%. They're only scheduled to be there until December, but I don't plan on letting that balance be at any rate much higher than that. Between DW and I we have a few CC's that will off low BT rates, and we may be forced to apply for another CC for a low BT transfer rate if Citibank isn't willing to play nice-nice and extend the low rate. They have been great to work with so far, so I'm optimistic.Apart from that, I really have a new appreciation for the importance of a fully funded ROTH. With Xraymd's suggestion's I've already set-up an ING account called "Roth Savings" to save up the $2000 minimum for opening 2 Vanguard ROTH's. With a coupl'a hundred a month diverted from our snowball, we'll be all set to fund the ROTH's by April-06. Maybe not to the $4000 cap, but we'll get some in there.Thanks for all of your suggestions and thoughts... VERY helpful thread.mz00m
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