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Nope.

Hate to cast the dissenting vote, but I would advise you to finish school, get a job, get free of debt, then plan/execute your investments. In that order.

Have you ever heard about the "Best laid plans of mice & men"?

They frequently go astray, as I recall. You have lots of time to get your investments in order, but I do agree with starting early, just make sure that 45K IRA is properly invested, e.g. you could roll it over to an account at a discount broker and invest it as you see fit.

Good Luck,

Ron W.
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