Sherry,

I've converted 401(k) - TIRA - RIRA twice. The first TIRA-RIRA allowed me to take the tax hit over 4 years, a feature that was not available the 2nd time around, so I completed a new W-4 with my employer asking for an additional $20 tax to be withheld per pay period (weekly) for the remainder of the year.

You could pick a $ amount you're comfortable with and if you sit down and look at your daily spending habits, you'd be surprised where you can find that $5, $10 or $20.

You can be frugal without being miserly! And Suze Orman gives the following examples:

- Join a library for reading materials for your commute instead of buying daily newspapers and magazines (you can always borrow a paper at work or read it online);
- 'brown-bag' 1 or 2 days per week
- wait until you get to work for the cup o' joe (no deli or Starbucks coffee);
- then there's Coinstar. You can find one at http://www.coinstar.com/coinstar2/cswebframe.nsf/GoHome. You'd be amazed how much loose change you build up over a week.

Niall