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I am wondering if I could make my 2004 contribution now (Jan 04), assuming that I will earn enough money from Aug to Dec. to be eligible to contribute.

My feeling is that such a move would be against the "spirit of the regulations" although perhaps not illegal based upon the way in which IRA contirbutions are accounted for (on a tax year basis).

I don't see any problem spiritual or otherwise. It's the same as making a $3,000 contribution before you have $3,000 of earned income for the year.

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