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Here's my story:

-I've got $8k in cc debt
-Car loan at 1.9% with 3 years left to pay (9k left)
-a 401k that I'm putting in 6% for employer match
-1% of my salary goes to my employee stock purchase plan
-Working out budget to pay off cc debt by Nov 05
-Also creating small efund for stuff like car repairs, etc

But I've been reading a lot of posts on the Fool about IRAs and I'm wondering if opening a Roth IRA is a good idea.. I still have a good 30+ years till retirement and I don't want to waste time or lose out on compound interest. Also, I don't plan on being with my current employer for that much longer- not getting laid off- but rather looking for a different job.

I may wait a few months i.e. after the 2004 contributions close for the year but was wondering if this would be a good idea or if I should just focus on my debt primarily.
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