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  1. Ya, which is why any year that you don't...

    Ya, which is why any year that you don't contribute to a Roth is wasted. And it sucks.
  2. For most people, I think it's more motivational;...

    For most people, I think it's more motivational; they can see that they're making progress. So even though they may end up paying more in interest in the end assuming they went through the entire...
  3. If liquidity is a concern, you do know that you...

    If liquidity is a concern, you do know that you can always take contributions out of your ROth IRA penalty free right?

    Example: You put in $5k today. It grows to $6.5k in 3 years. In 3 years, you...
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