<prompt> Human: Hey everyone!Just want to start off and say thanks in advance for helping me with my questions. personalfinance is a great community!I am a 25 year old who currently makes 60k before taxes, is committed to growing my wealth, and having my money work for me. I have read the Bogleheads Guide, have my emergency fund setup 10k, and currently max my employers contribution to my 401k. I have no debt, college degree with a very promising career, and manage to save 700 a month after bills, entertainment, 401k deposit, etc. Now is the time to start my Roth IRA.I already have an account with TD Ameritrade that I used for trading a few stocks for fun in college, and to currently hold my emergency fund. This leads me to my questions... I heard that I can make my 2012 Roth IRA contribution until April this year when taxes are due. I received a 5k bonus after taxes at the end of 2012 that I wanted to put towards said 2012 contributions, but did not get the money transferred to a separate TD Ameritrade Roth IRA account until the beginning of January. Will I be able to count this towards 2012? If so, how... Is the TD Ameritrade Roth IRA account alright to use? I opened it for the simplicity of being able to link accounts, but am not sure if this will rise my costs did not see anything in the details upon opening the account. I intend to purchase a few index funds vanguard retirement target fund, and as the years pass and knowledge is gained, target more specific indexes securities. Is this the right way to go about managing the Roth? With the amount I currently save each month, I will be able to max my IRA with some funds left. My car is getting old and already had some major repairs, but I estimate 2-3 years left in it before utter defeat. Should I put the rest of this amount into CDs emergency fund, should I put more towards my 401k, or should I saveinvest in some other way?Thank you again!  <response>: Can I use bonus for 2012 Roth IRAYes. When you transfer money into the IRA on the web interface, there well be a drop down box that allows you to select the year 2012 or 2013. That drop down is only available during the time you can select the year. Is the TD Ameritrade Roth IRA account alright to use?Good enough I guess. I have Tradeking myself and Vanguard would be another options. I think a Vanguard account would be the cheapest option if you go 100 the Vanguard route, but I occasionally buy a single stock, so that wouldnt work for me. should I put more towards my 401k, or should I saveinvest in some other way?Id bump the emergency savings so you have enough cash in there to buy the next car, then increase the 401k contribution. 