Greetings, Bagginses, and welcome. You asked:FWIW, (1) retirement planning is an extremely important goal for us; (2)I already max my 401k, and my wife works part-time so she doesn't have a retirement plan; and (3) I am 27 and my wife is 26.I would appreciate everyone's viewpoints. I would like to do the Foolish thing (capital F), rather than the foolish thing (lower case f).Retirement planning is an important goal for you; the interest on the debt is very reasonable; you will repay the debt in a few months anyway; and if you don't make an IRA contribution for 2001 by April 15,the opportunity to do so will disappear forever. Given all that, it seems to me that making the contribution rather than repaying the debt is a very Foolish move for you. Don't you agree? :-)Regards..Pixy
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