Well, what works for you?If you can contribute $2000 without straining your finances, do it -- it'll start compounding faster.If $2000 would be a strain, make regular smaller payments -- $166 each month, or $500 a quarter, or whatever.And both spouses can each contribute up to $2000 to an Individual Retirement Account, if you're within the Adjusted Gross Income (AGI) limits.
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