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Welcome, Keith.

You seem to be on the right track. In the long run, you will need savings beyond what your 403b can probably provide--especially if you plan to retire early. So you will want to max your 403b, max your Roth IRA (better than IRA if you qualify), and then have savings in addition.

However, first you should indeed work down that credit card debt. How quickly depends in part on the interest rates you pay. If over 10%, pay it down first. If under 10%, you could be better off investing in Roth IRA and 403B first.

A point to remember, is that every year your IRA and 403B have $$ maximums that you can contribute. If you fail to use all your allowance this year, you lose it and can never get it back. So accellerate paying off that credit card debt if you can and fund your Roth for '02. You can still contribute to your Roth for '01 until April 15 next year.

Best of luck to you.
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