<prompt> Human: Im starting my first full-time job in October and currently working on my budget. After covering my expenses, emergency fund, matching 401k, and student loan debt, Im unable to maximize my IRA contribution. Should I still contribute even if its only 1,000 per year?  <response>: Yes! You dont get to go back later and put more money in for this years contribution after April 15th of next year, anyway. Any amount is good. 