Talk me down...
Ok, I need some psychological advice. Since I'm too cheap for a shrink, I thought I would ask you guys. Am I crazy? I am considering pulling $7K out of my HELOC (prime-0.5% variable, currently 4.5%) to make my and DW's 2008 Roth contributions early. If I don't do this I will continue to make $500 contributions biweekly through December. I guess it is market timing but I feel like the market is poised to jump soon. HELOC payment will be $26 a month, tax deductible (25% federal bracket). Comments/criticisms?
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