<prompt> Human: I have 15k to invest. My work does offer roth 401k but does not match and has limited choices. I dont make much but have enough saved up to dump a large sum into but rIRA limit is only 5.5k.I had planned on opening a Vnaguard rothIRA and investing in some funds in the roth 401k. But I was thinking If I should invest in the max in the roth IRA and then max it out again the next fiscal year in about 6months.I would then have about 5k put into the general vanguard fund while adding funds monthly to it over the next year and continue to transfer fund from the vanguard general fund to IRA to max it out until the general account empties and then just focus on my rIRA with monthly of salary and likely wouldnt be able to easily max it out for a while after that.  <response>: You can only contribute cash into an IRA. Any securities in a non-retirement account that you want to move into IRA need to be liquidated first. 