<prompt> Human: Due to fortunate circumstances, I have around 5000 to invest, and for obvious reasons Id like to prioritize a Roth IRA before anything else.However, I dont have a job and frankly, its unlikely Ill have a source of income until at least the summer of 2015, and from what Ive read, contributions cant exceed your income for the year. All of the articles Ive read on the Backdoor Roth IRA technique make it sound like its only for individuals whose earnings exceed the limit 120,000, give or take, but it seems like I ought to be able to use the same technique as a non-earner for this year.Am I wrong? Should I postpone all hopes for retirement planning until next year?  <response>: If you dont have income why do you think you can contribute to a traditional IRA when you cant contribute to a roth IRA? 