[agtitan06]

One thing I forgot to mention...don't even bother investing in the stock market if you have credit cards with outstanding balances. You won't find any stock or mutual fund that will yield you the amounts you will pay in interest on your credit cards. You will be far better off paying off credit cards first to get rid of the very high interest charges. Don't get me wrong..credit cards are a great thing...but you have to use them wisely. I've had credit cards since I was 18...I use them as cash..in fact, I rarely have cash on me...I charge everything....BUT I pay everything off as it comes due. I've never paid a dime in finance charges. Credit cards are basically an interest-free 30-day loan...Use it, but pay it off every month or those finance charges will eat away your investment earnings.