If, at the end of the year, you determine that your job is far 'safer' than you now think, you can re-visit the decision and move some of the e-fund money into a Roth.Sounds like a plan. It's about the way I was looking at it. I am also working on getting rid of all debt at so that I will have fewer or smaller payments. Much thatnks for all of the time and patience and good advice.
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