But remember, you need to be disciplined if you are going to forgo a 401(k) for an IRA--make sure you set up an automatic investment plan for the Roth, something you can do through many mutual fund companies.
The short-term increase in the borrowing cap is the brainchild of House Republicans, who wanted to re-sequence a series of upcoming budget battles, taking the threat of a potentially devastating government default off the table and instead setting up a clash in March over automatic across-the-board spending cuts set to strike the Pentagon and many domestic programs.