<prompt> Human: 23yo, married. I dont currently have an IRA because I have just a little bit left in moderate-interest student loan debt Im working on, but I fully expect to open one in the next few months. I currently have whats probably an over-cautious emergency fund, but with a baby on the way, I like to feel safe. However, quick calculation shows ENORMOUS future gain if I were to have contributed in 2017! Is it too late to open a Roth IRA and contribute the lump sum before the end of 2017? I may not have planned on contributing this year, but an extra 35-80 grand at 65 years old seems like a lot to ignore.  <response>: You have until April 17th tax day of 2018 to contribute for your 2017 IRA. Plenty of time. 