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Well I'm out of debt, and we want to buy a house soon.

I am 27, have $9500 in a 401k, and no IRA, married and have a 2 year old son. My wife stays home with our son, and I make about 80k a year gross income.

I'll have about 4k in savings by April 15th. But really that's the start of the 8k emergency fund I am trying to build in case of job loss mostly (I am a computer programmer).

I was considering taking some money and funding a 2002 Roth IRA. But the other problem is we really want to get into a house within a year, while rates are still low, so I hate to take away from money available for a down payment.

Do you wise Fools see an option that is obviously the best choice for me? Things get a lot more complicated when you get out of Credit card debt, haha.

thanks,

Vegas
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