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You've got 4+ months to figure it out
You can contribute into your ROTH IRA up until the tax deadline of 15 April 2008 for your 2007 contributions. Ypu just need to do it over the phone usually with the banking agency. This may give you the cushion to be able to do both if you can put away about 2k a month.
Max your Roth IRA unless this is equivocally you're Dream Home and you'll never move you'll likely sell and realize very little of the minimum payment difference.
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