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OK, so there are a couple things going on. First, the final contributions to the Former Contracting Agency's (FCA™) 401k are in, and my $351.39 in contributions are now worth $339.20. Regardless of performance, after just a month's participation, it can not stay with JP Morgan, so I plan to roll over the amount to the FEWMNBN™ 401k at Fidelity. I have the paperwork, all I need is the time to fill it out and send it in.

It appears FUL II™ will be short lived as I have two contracts I took on last Friday that should net me about $25k over the next 90 days. My eFund is down to $200, and I just received a sizeable refund for state and federal taxes.

So the question is, with some income stability over the next few months and 10 days remaining before Tax Day, should I make a 2004 Roth contribution with my refund, should I put the refund into my eFund, or should I put a third into a 2004 Roth contribution and the rest into my eFund?

Who is leaning towards option #3...
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