<prompt> Human: Hey guys. Im a recent college graduate May 2016 starting my first full-time job in a week. Im slated to be making 1k per week pre-tax my first year with a 5 year-end bonus. Basically, I want to make sure that I invest before April 15 so I can make a max contribution under 2016, and Im not sure what I should invest in Roth IRA vs Traditional, mainly because of which tax brackets Ill fall into. Currently, I have roughly 33.5k in savings, and 13.5k in student debt. So, what kind of retirement accounts should I be investing in, and what funds should I select?Edit: I also made roughly 15k in 2016 between an internship and a part-time job.Assistant: You wont be able to make 2016 contributions if you dont have earned income for 2016. Might want to start paying down that debt instead, tbh.Human: Thats my bad for not including that initially in my OP. I made roughly 15k in 2016 between an internship and part-time job.  <response>: Go with Roth 