Since a few people have been talking about finances and how much they spend, I thought I'd do a little PSA... Hope it doesn't sound too preachy. I just figure we shouldn't become the other kinda of "bag lady." I just know lots of people who carry WAY TOO much credit card debt. A lot of it started when they were young and now that they're older, they wish they hadn't accumulated the debt by buying stuff that they "just had to have" that really wasn't that essential. Anyways, I thought I'd suggest that everyone consider opening a Roth IRA if they don't have one already. There's a maximum you can put away each year (this year it's $4k), but it's a reasonable amount of money, especially if you're younger. You get to earn all that interest without paying taxes on it and take the money out without paying taxes. There are certain restrictions, but it's still a nice way to make money without the gov't wanting a chunk of it. Seeing those little income statements and seeing your money grow is kinda nice. Ok, I'll get off the soapbox now--hope I didn't offend anyone--that wasn't the point.