conversation: User (AutoModerator): "### If you need help, please check the [PF Wiki](https://www.reddit.com/r/personalfinance/wiki/index) to see if your question might be answered there.\n\nThis thread is for personal finance discussions, questions, and sharing your success stories:\n\n1. *Make a top-level comment if you want to share something positive regarding your personal finances!*\n\n  Instead of posting individual threads for positive success stories of how you've funded your emergency fund, made progress on your debt, saved for a future goal, reached a certain net worth, or anything else you would like to share, let's consolidate everyone's stories into one weekly thread!\n\n2. *Please make a top-level comment if you want to ask a question! Also, please don't downvote "moronic" questions!* If you have not received your answer within 24 hours, you can feel free to [start a discussion](http://www.reddit.com/r/personalfinance/submit?selftext=true).\n\n**A big thank you to the many PFers who take time to answer other people's questions!**\n\nFor past threads, please search the [Weekly Archive](https://www.reddit.com/r/personalfinance/search?q=title%3A%28%22Weekend+Discussion%22+OR+%22Triumphant+Thursday%22%29+author%3AAutoModerator&amp;restrict_sr=on&amp;sort=new&amp;t=year#res-hide-options).\n"
  Self: "I'm about to start my first real job \(salary \~60k\). I have no debt. The city is relatively expensive but I think I should be able to save about $1000 per month into emergency fund/retirement/etc. The employer does not match 401\(k\) contributions. Is it still worth contributing in this case?\n\nI anticipate a huge salary jump in 5 years followed by a stable salary throughout the rest of my working years. Should I pursue a Roth account in order to take advantage of my lower tax bracket these next few years? \n\nThanks in advance for any advice. "
  CanuckYou2 (CanuckYou2): "Roth should be your priority in this situation, especially with the historically low tax brackets for 2018. \n\nBut once you’ve maxed out Your Roth IRA don’t be afraid to also contribute to your 401k if you are able to put additional money aside for retirement, because the tax free growth will still be a big benefit to you."
  Self: "Thanks for the advice. What is the yearly limit for Roth IRA, by the way?"
  CanuckYou2 (CanuckYou2): "$5500 per year in Roth or traditional IRA."
  