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Hi Everyone....

Here's a quick question for the masses out there.

I've done the following:

(1) Dumped my financial advisor who had us in a fee rich set of mutual funds.

(2) Diverted cash from said funds to kill our remaining credit card debt that was making my wife and I crazy.

(3) Refinanced the mortgage on our house and are rolling our combined student loans into it in order to get a write off on our taxes.

I feel very Foolish and nearly in control of my money for the very first time in my life.

I say nearly because we're now basically back at square one in terms of savings (minus our 401K and IRA accounts) which we did not touch in killing our credit debt.

My question to the Foolish hordes is this:

What's the next step?

Do we:

(1) Begin investing right away...Foolishly of course.

(2) Put some "safety" money away in a CD or money market account before we begin investing.

(3) Something else?

I look forward to your collective wisdom on this....
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