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I'm 41, retiring in 25 years, single and will be making about $95k +/- $20k next year ($95K is the cut off for single Roth investment, right?). I make commissions, so I won't know until year end if I'll make it into the Roth program or not.

Every year, I've been depositing $2k into my exsisting Roth on Jan. 2, to take advantage of earning tax free returns as soon as possible. What do you recommend for this year, when I'm not sure if I'll be eligable for Roth--deposit into same Roth and roll over if I have to, open separate Roth and roll over if I have to, open Trad. IRA and roll over if I have to, wait til end of year to decide(would hate giving up 12 months of potentially earning returns) or other suggestions?

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