<<<Ave. Yearly Income = $18,000
(some years I file w-2's exclusively,
other years it's a mix w/1099's)

Student Loan = $10,000 @ 8.00%
Monthly Payment = $85

Consolidation Loan = $8,000 @ 8.25%
Monthly Payment = $250
(Huge Debt to Income Ratio I know, But
I've been making significant progress
over the past year thanks to the CC
Board.) - (also, all cc's were closed but two and those are paid off in full
every month.

Monthly Living Exp. = $700 - $800

Emergency Sav. Acct. = $600>>>>

You don't say how much longer you have to go on your debts, but I'd try paying those off as soon as possible, 8% is a pretty hefty rate in these times.

Then, with your living expenses at $800, I'd try to have $5000 (6 months worth), in the emergency fund. Then work on funding the Roth IRA. Why building up the emergency fund so much first? What if catastrophy struck while you were investing in the Roth IRA? You'd go back into debt plus you might not be able to access your investments or worse, have to sell at a loss.

JLC