<prompt> Human: Havent maxed out my Roth IRA for this year opened early February 2013. As 2014 rolls around, is it better to make 2013 contributions until April 15th? My thoughts are to max out the 5K for 2013 before I start contributing to 2014 - is this common practice or am I missing something?  <response>: 2013 limit is 5500 and staying the same for 2014. Yes, max 2013 before starting funding 2014, if you can. 