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Eventually I would like to, once we have a little more 'extra' money.. one of my other goals, is to get a good roth IRA, so choosing the funds for that will be interesting, if any of you are interested there is a book by Suze Orman, its called 'The Money Book for the Young Broke and Fabulous.. and I LOVE THIS BOOK!!! she speaks very down to earth and in a way that I can eaisly understand everything from credit scores, to mutual funds.. etc etc..... I highly recomment it.