<prompt> Human: Things are going well for me financially, so I think I will be able to hit the maximum IRA contribution each year in the future. However, I have not made any IRA contributions this year. Before March 2019, I will have more than 5,500 saved in my emergency fund. Should I put this in a Roth IRA savings account, before the window closes for this year? I understand I would be able to withdraw the contribution but not interest without penalty later, if I need it. If I dont have an emergency, it will remain in the account.I just want to get the money into a tax-advantaged account when I have the chance, while still having access in case of emergency expenses.  <response>: I would do it, but I would keep that first 5500 in a money market fund until I rebuild my emergency fund. As you rebuild the EF, you can move from the money market to other long term investments. I think its a risk worth taking to take advantage of the tax advantaged space. 