<prompt> Human: Im 24 and have no debts, and only 500 worth of monthly bills. Im in pace to make about 40k this year and should have about 15,000 saved in my banking account by the end of the year. Should I max my 2018 2019 Roth IRA contributions or just contribute a monthly plan to start off? I also contribute what my employer matches on my 401k and have about 9k there.  <response>: Its still 2018, so you can only put in 5500 right now. Id do that, and then another 5500 in January. 