I also won't flame, since it works for you.However, I will point out 2 items: You say you use part of the refund to fund an IRA. So you will make your 2006 contribution "sometime" after you receive your refund from 2005 -- probably sometime in March?. You can save a month minimum by getting the money back during 2005 and being able to deposit your contribution on 1/1/06. But -- you have a hard time saving by your own admission. It is good to know thyself, but a little prior planning prevents underperformance... Get an automation transfer going for $333.33 every month from your checking account over to your IRA. Better yet, transfer another $500 a month over to ING savings, (or to a mutual fund account, or DRIP accounts, etc.) David Bach's Automatic Millionaire is a thought provoking book.Regards,Trond
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