I have been a CC junky since 1984, running the cards up and paying them off in cycles because I did not know any better. I have finally got my cards under control. I have one card in my file cabinet and a bankcard/cc to cover my 'floats'. I had to take out a bank loan ($10k) to clear off the Card (but the rates are a lot more reasonable). I have 6% of my salary put into a TIAA-CREF account that is matched (at 2.5% or more depending on business) by my co. and another 10% put into a 403b account (sigh! it has to be a mutual fund). I am paying my bank loan off at $450-550 per month and when it is payed off, I will increase my 403b deduction to the full 14% allowed. The reason I don't mind the mutual funds so much is that I can believe also start putting another $2k into an IRA -- is this true? I am getting into investing late (I was gifted 200 shares of a stock in December and, as you can see, it changed my plans, and life, for the better) as I turn 50 in 4 months (dang, I didn't think it would hurt so much to say that number!). Is there something else I can do to get ready for retirement? I have a long haul to get ready for as I have grandparents on both sides that have lived past 90 and a great grand mother who made it to 104.TTMan
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