<prompt> Human: Im trying to get into the habit of allocating my income to saving and investment. To date Ive contributed about 2.5k to my 2016 IRA. Its my understanding I can continue to allocate contributions to 2016 through April. Should I allocate my future allocations to get as close to the max as I can by April or should I start early for 2017. The one caveat is ill make more in 2017 than I did in 2016 by a decent amount so long as I keep my job.  <response>: You might as well allocate it to 2016 while you still can. 