I"m back. Its been a long time since I've written here but I"m back now with a vengenance. Since I was last here, I finally stopped procrastinating and opened that Roth account, and I'm going to have this year completely funded which is the goal. I also jumped on the internet savings account bandwagon and did both ING and Emigrant Direct. I think two is enough. I also found money at a bank I had forgotten all about so I need to decide to either close the account or start sending money automatically to it.