We have finally crossed the $10,000 goal. We deposited $1000 in a Roth in ING Direct to get a $76 bonus. However, again the stock market was not nice to us and therefore we have $10,810. My next minigoal is $25,000 but it will take a long time for me to get there.
We deposited $1000 this month, yet only have $420.90 normally to deposit per month. I took the extra out of the EF and I did this because of the bonus. I will have to pay back the extra money. I took all the extra money from the 2% FICA deduction from my job as well as this months deposit. I still have $100.40 to pay back before I can start deposited money into our retirement accounts again.
Normally a hundred dollars would be paid back quickly but our current tenants have given their one month notice and it may be a few months before we get tenants again. Until then all I have is ten dollars per month from the FICA deduction from my DH's job and any extra from my job as well.
It is possible that we will still owe our EF by the end of the year, if we do not get tenants. I am not sure if I will remove the money from the Roth to give it back to the EF or not. Does anyone have an idea what I should do and why?