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I'm 36 years old, currently make below the threshold for putting money into a Roth IRA and would normally put my full $4K in around this time of year.

But, mid-year I expect to graduate from school, quit my job and take 2-3 months off to travel, and then in the fall there's a good liklihood I will get a job that will be well above the Roth IRA limit (hopefully!!).

So, I'm unsure whether putting the money in now, assuming my AGI will be below the threshold by year end is the smarter option, or NOT putting the money on the chance I won't really be eligible...

Any ideas??

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