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So the ROTH is going to $5,000 for 2007?

Are you switching age brackets?

If 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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