So the ROTH is going to $5,000 for 2007?Are you switching age brackets?http://beginnersinvest.about.com/cs/iras/a/iracontribution.htmhttp://www.zero2rich.com/2007-roth-ira-contibution-limit.htmlIf you have hit 50, then you can do catch up contributions, but $5,000 is the limit in 2008 from what I see, and 2007 is still $4,000.You might try shopping at Target for groceries. I tried that last week and I am pretty sure I saved about 20 bucks even though I normally take advantage of every special in the store at my usual store. 20 bucks a week times 50 weeks = $1,000 bucks that will help towards your $4500
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