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Hello, I am new to this board. I am interested in finding out about begining my retirement planning. Howevre, I have several obstacles. I am a 26 year old woman, who feels I should have started this a long time ago. I have invested $500.00 in a Roth IRA. I just graduated college, with a hugh accumulkated debt (approx $20,000. I have also been unem,ployed for four months as I have discovered that my field of choice is over populated in this area. A move is financially out of the question.
When I get a job, it lookas as if my income will be approx (20,000) with additioanl (14,000) from my husband. He is 38, and has no retirement fund begun.
Where do we begin? Should we do something together for our retirement plans? Seperate? Should we attempt to pay off our debt first, then add to what I have already started? (I have no idea his current debt status, I think it is around $1200. We have only been married a month). He is looking to finance a car soon, and we want to buy a first house for both of us. Neither has owned before. What do you suggest?

Again, Thank -you for all of your help
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