<prompt> Human: I just opened a Roth IRA through Vanguard. Its asking me which year I would like to make my first contribution to, either 2016 or 2017. Im not looking to make the max contribution right away, but would like to reach the 5,500 max for each year I contribute. Which do i choose?  <response>: 2016, you could always end up having enough to still meet 2017s max. 