<prompt> Human: Ive tried to search for this but couldnt find anything, so sorry if its been asked beforeis a common question.Im almost 22 and working at my first job, and I cant contribute to Roth IRA because my income is above the limit. I was wondering if I should contribute to traditional IRA, but I wont be able to claim my contribution as a deduction because my income is above the limit for that as well. This money will be taxed twice then, and Im curious if you guys recommend to still contribute or if I should put my money elsewhere, and if so where? Im planning on maxing my 401k contribution of course, but Id like to save more than 18k but dont know where to put my money to maximize returns.Also, another quick question:I started working last month, so when I file my taxes next year does my income consist of money I made from June 2015-June 2016 or June 2015-date when I file taxes?  <response>: since you started last month, you must make 232K or more to be outside of Roth qualification. Its not based on your yearly salary, its how much you make in 2015, so my guess is you will still qualify unless you do make more than 232K. 