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My wife started a new job but she has to wait until July 01 to contribute to her firms 401(k). The money she would have invested will total about $4000 between now and then. I contribute the max to my 401(k).

I'm thinking our best move would be to open a Roth IRA for the $4k ($2K for this year, $2K for next year). What do you think?

If I do open the IRA, will brokerages let me contribute monthly or must I open it with the full $2K?

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