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This is an opportunity cost, which is difficult to value.

You can do some back of the envelope calculations, but I suspect that unless you are close to retirement age, you will do better, long term, to finance the roth. It's hard to beat decades of compounding for free.

If you have a spreadsheet, it's not hard to do a rough estimate -- just assume that if you pay the credit cards first, the money will be invested outside a Roth (It will, right?) for the same return.


: ) Smile -- it makes people think you're either happy or crazy
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