What make, how many miles, and how is the general condition? Car prices are still high so if this work gets you a couple years out of it, I'd say its worth it
Heat it up to between 160-200 in the oven then spray it with some Easy Off, let it set in the oven for 15 - 30 minutes or so, then scrub and rinse it really well.
Even if you ignore the great damage, DMGS has amazing stagger when combined with Greatblade Phalanx. I was practically chain staggering all end game bosses.
If you contributed all of your earned income from last year to your 401k, where did you get the money for the IRA? If it was earned in another year I can't see that being an issue, and your accountant might be reading things to literally.