Dipping into the mailbag today, I wanted to address some questions that seem pressing on many minds: sinking IRAs, too much debt and love and debt. A New England edition: Carolyn in Massachusetts asks: I'm 20 years old and in January I put $2500 in a Roth IRA account. I know that with investing, you lose money along the way, but with the economy the way it is right now and the small amount of money in the account, would it be better to withdraw it and put it in a high-yield savings account until the economy takes an upturn and then put it back in the IRA?

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