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.I agree. It also makes sense if you might qualify for the Savers Credit(if that's still out there for '08). I found out last year that there is the possibility that a traditional IRA may be a better choice than a Roth if you're nearing the phase out on the credit.I'd automate the money into savings with the first paycheck of the year but I wouldn't contribute to an IRA until the tax picture was totally clear.rad
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