I am 23 and just graduated from college this past year. I make 30,000 a year and try to save at least 300-500 a month. I also put 6% of my pay into my 401k account. Between the last two months I have put 6,000 into my Roth IRA account maxing out my contributions for 03 and 04, which was money I had made this past summer. Wow! I am totally impressed. You are off of the right start.Your logic sounds good, but there is something satisfying about being debt-free.And, don't forget to enjoy you new financial independence. A car, some dinners out, thest are good for the soul, if not the savings. Take time to smell the roses.cliff
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