Okay. I know we all struggle with this one. The personal loan was taken out with the agreement that we would pay it off when we sell our rental home. Now, I am thinking that if the renters that are there now, decide not to buy it next year -- we could rent it out again instead of selling it. But I still would feel the need to pay back the loan next year as it is a personal loan to a family member that was told the house would be sold next year. So, I have been putting money back each month to pay it back. Also, have been putting money aside for a Roth in my husband's name. The loan is set at 8% simple interest.

My question is: Should I send the money set aside for the new Roth towards the personal loan or should I go ahead and open the Roth so we don't miss out on a year of investing in the Roth?