If You Had An Extra 10K....

[potatoglasses]

5k would be left in the bank for car payments / emergency fund / savings.

5k would be spent on a combination of clothes, camera gear, and car parts.


or I'd be responsible and do a 5k principal payment on my car loan, and save the other 5k for future car payments.

 

[jthagreat]

max out my Roth IRA...not looking like that is gonna happen this year.
pay off my CC for the thanksgiving/christmas trips im taking

10 k aint all that much...but id most certainly take it.

U have till April 15 of next year to contribute to 2013.

@nrg1604 but i plan to use the money i get back from taxes to do it? how does that effect things? @CRCBaller?

 

[nrg1604]

max out my Roth IRA...not looking like that is gonna happen this year.
pay off my CC for the thanksgiving/christmas trips im taking

10 k aint all that much...but id most certainly take it.

U have till April 15 of next year to contribute to 2013.

@nrg1604 but i plan to use the money i get back from taxes to do it? how does that effect things? @CRCBaller?

Since you're talking about Roth IRA, there's no effect to your taxes since Roth IRA is after tax contribution. You can certainly use your tax refund to contribute to your 2013 limit as long as you contribute before 4/15/2014. When you decide to file ur taxes doesn't matter either, just do it early enough to receive refund before deadline.