<prompt> Human: Hello everyone, I just had a quick question, Ive done a little research myself but wanted to gather some additional thoughts.I started my first job after college making about 30,000 now 34,000 not the greatest but I can move up from here. I have no debt and currently live at home and pay very little expenses at the moment. I currently have roughly 4,000 in my emergency fund, and 15002000 in my checking. I have been putting in about the same amount of money into my 401k and roth ira monthly, which going forward will let me max out my 2015 ira but since I started this job in December I have not been able to hit my max for 2014 ira. Im about 2000 shy. Should I use part of my e-fund to max my roth IRA since we are at the end of contribution time?  <response>: If its a Roth IRA, yes, contribute it, but dont invest it or if you must, invest it in very stable assets like short-term Treasuries until you have replenished your emergency fund.You can withdraw the 2000 from the Roth IRA without penalty if you really need it. 