Bear in mind that many people make their IRA contributions during the first part of the following year (you can make prior year contributions until tax day), but they don't have to wait. You can make them as early as the first business day of the year they're for, to take advantage of more investment growth. Waiting until the last minute, if you have the money to do it sooner, makes very little sense.It may not make sense to wait if you are the OP. For other people, it does make sense if you are concerned that you may not qualify to make Roth IRA contributions.PSU
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