Caller April has credit card debt and wants to know how to pay it off. A texter wants to know if he should drop a couple hundred dollars on his kids gift or wait to buy it cheaper later. Caller Jeb is trying to consolidate his debt and wants to know the best way to do it. Caller Tom has a 401k and wants to know if he should roll it over to a RothIRA. Caller Sharon wants to know if she should start a RothIRA for her son.