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After a divorce and some stumbling around, I am trying to put my finances in order and I decided to ask for advice here.

I am 42, making 30K/year. As I posted on another forum, I am thinking about getting a college degree, so right now I can put aside a rather pathetic sum of $300 monthly. By the way, my employer doesn't match my contibutions for 401k plan. This is what I have right now:

401K plan with T.Rowe funds: 10K
Roth IRA with Vanguard VTSMX: 7K
Taxable Vanguard account: VIGRX, VFINX, VTSMX: 15K
Emergency fund with EmigrantDirect: 20K

Currently contributing:
PERS: $200/mo
401k: $300/mo

Should I keep contributing to 401k or put money into Roth IRA instead? I think I will be in lower tax bracket when retirement comes, so perhaps Roth IRA isn't such a good idea?

I have been reading Fool forums for a several days, great place to get educated!If anyone has any advice/suggestion for a new Fool, it will be greatly appreciated. Thanks in advance.
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