Glad this thread was bumped. It can be really easy to fall into a financial "here and now" mentality. I'm fairly stable currently, but need to work on paying off some decent sized cc debt.

Looking to the future I'd like invest, but I'm not sure I want to dump money into a fund that I can't cash until I'm 55. Therefore EFT's seem like the best option? IRA's seem like the tried and true method of long term investment, but I just get a bad taste in my mouth from their lack of liquidity.