<prompt> Human: Im joining the Air National guard, and apart of their incentive to join for necessary fields is a 15,000 sign on bonus for 6 years of commitment. They are also going to pay 100 tuition and 60 of my flight costs while Im still learning. This means Im going to graduate debt free besides the 40 in flight costs. Which will be a couple thousand each year. I have a feeling my car isnt going to last me that much longer, and 10k can get me a pretty nice car with a trade in. I will also be at basic this summer so I am saving at least 5k to get me thru the year. That doesnt leave me any room for IRA contributions. And this is why I need help.  <response>: You have until April 2015 to make IRA contributions for tax year 2014. So see how life plays out and then revisit the question next year. 