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Thank you spam,

I'm gonna work towards building a savings reserve and paying off my car first.

I already have a retirement account through my employer. It's pre-tax and I can contribute up to 15k per year tax deferred. I don't see myself even coming close to that in the foreseeable future. Is it worth it to setup another IRA? I may setup a Roth in a few years time, but I do need some investments I can actually use in the not so distant future (to buy a house mainly, well the down payment anyway).

Anyways, thanks again. You've been a great help.
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