P.S. I won't reveal all the lovely thoughts that were running through my mind about letting things go to the last minute when it occurred to me that there's enough information for advice about what you absotively must do Monday.

Each of you needs to make a tax year 2010 contribution to a traditional IRA on Monday. The limit for each of you is $5,000, except anyone 50 or older as of 12/31/2010 can contribute $6,000. Don't fret about how to invest it. Go to your bank and open the accounts. Just plop the funds in whatever type of account as long as it's not a long-term time deposit. (If you have an established relationship with some sort of investment house and can do this in person on Monday that's fine too.)

Phil
Rule Your Retirement Home Fool