<prompt> Human: So I have enough money in stocks to sell and max for 2015. I still need to open a roth ira but I assume I can sell and open before april 18th. I would take an average loss of around 9 on the stocks, but these stocks are company shares that we get 15 on top of our purchase. So with that factored in Im really not losing any money overall. My next financial goal is to buy a house. So I could take advantage of roth ira for that. I paid off all my loans and figured I need to start doing the roth ira thing. Am I crazy for thinking this?I was hoping to buy within 5 years so perhaps a roth ira is not the way to go? Just a regular savings account then?  <response>: No youre not crazy, in fact the general consensus is to sell your ESPP as soon as you get it. That way you always lock in that 15 discount as a gain. It also keeps you from being overly invested in your company i.e. if you lose your job because the company tanks you dont also lose your . 