Ok, now I have been paying attention and know that the stock market has been falling lately. However, I decided to take the plunge anyway and max out our 2008 Roth IRAs today (well, technically Monday). I'm sort of figuring that sometime in the next 40 years before we retire the stock market will rise. If it doesn't, I think we'll ALL be in a world of hurt.

Now, if you notice on my side bar, as of December I only had about $2,400 saved, so how did I end up with the 10K needed to max it out? Well my in-laws graciously agreed to cover tuition for this term. Independently DH and I decided that we would take the subsidized loans out and pay for the rest of tuition OOP. So I decided to stash that "extra" money in our Roth, knowing that if things went terribly wrong, we could take it out (I don't anticipate this at all).

Also DH and I went grocery shopping last night and saved 13.34 which I will be adding to my challenge.

New addition: $13.34
Previous total: $418.92
Total: $432.26