Maybe I should change to a different subject, since school loans and the sucky market means my net worth is trending down, down, down. Adding an extra certificate doesn't help with the money. I could go more slowly, and take on less debt, but I'd really like to finish school before 2011.
However, the debt is also going down, down, down, and I like that. I'm paying off 60% of my highest-rate credit card this month and should finish it off next month. Next, a couch.
Then I will need to decide: tackle the next debt, or start on my 2008 Roth? The next credit card is about $4K, at a whopping 3.9%. I will need $3K to fund the minimum of my Roth -- my 2006 and 2007 Roth contributions went to a volatile small-cap fund, and I think I've maxed out my risk tolerance there, so I want to put 2008 into Vanguard, which has $3K minimums for most of their funds. I'll probably plunk it into one of the international indexes.
I'm leaning towards saving up for the Roth. The reason is twofold: I'd like to get ahead in my Roth contributions, paying them at the beginning of the year instead of at the end; and I'd kind of like to take advantage of the sucky market.