<prompt> Human: I put about 5.5k into a new Roth and 15k into a new ira. Now my tax advisor is saying that I will have to pay 6 on the 15k if I dont pull it out of the market. Wont I just have to pay a higher rate for liquidating? What should I do?  <response>: 15k into a new iraThats not allowed. 5500 is the limit for all IRAs. 5.5k into a new RothRoth ___? Roth what? We need a noun here. Roth IRA or Roth 401k? If Roth 401k, then fine, whatever, doesnt matter. If Roth IRA, then youre fine if you empty the other IRA or if you cut both these numbers down so that you total to 5500. 