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In this economy I would hold on to all the cash you can. Everyone is aware of how difficult it is to save these days so I would also cut way back on buying new toys until this economy bounces back, if ever and just keep saving the cash for more leverage. Cash talks much louder than anything else and definitely plan for future retirement. I know, as I am an old goat, retired and did my planning right and am now glad I did. Good luck to you.
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