Date: Thu, 16 Feb 2006 10:32:15 -0600
From: "jIM" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Where should I invest?
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	Thu, 16 February 2006 08:31:55 -0800 (PST)
	iQBVAwUAQ/SpEPl/I4+O31e5AQFu5gH7BszqPJxp+3uE5ilHHj1FLK3pLseFhs0a
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	=hilk

I deposit $500 month in, then in September-December use the money for
xmas gifts.

When the Roth limit increases, I'll spend $1000 less on xmas (two more
months of deposits).