You'll have to put this year's $2000 into an IRA, then roll it into a Roth after January. I'm using a 3 month CD from a bank.In general, the preferred order is:1) Enough into your 401(k) to get employer matching funds (it's hard to beat free money!)2) Your Roth IRA, $2000 max (assuming you can't fund a regular IRA).3) Your 401(k), until you max out.4) A regular taxable account (if you still have more to invest for retirement).If you want to invest for non-retirement, you might not want to max out your 401(k), because in general you can't get money out of a 401(k) unless you quit, retire, or die.Ray
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