Today $5,000 is deposited into my imaginary bank account. Today I would contribute all $5,000 to my Roth IRA for my 2018 contribution. This may not sounds as fun as a trip to Thailand or NYC but it would give me peace of mind. I have been following Dave Ramsey for years and love him!! If you are not familiar with Dave Ramsey he is a personal finance advocate. He has created 7 Baby Steps for people to follow to achieve financial freedom. One of the steps along the way is to save 15% of your income for retirement. Currently 15% of my income would be more than $5,000 but the max that you can put into a Roth IRA for 2018 is $5,500. Roth IRA’s grow tax free!! This is one of the very few ways to get tax free growth in the US.