conversation: User (izDanyo): "Hello. I am a young adult who not too long ago started his first FTE job. As of recently I have been frequenting /r/personalfinance and appreciate all the valuable information the community provides.  \n\nI had 0% experience with finances until just a few days ago so please bear with me. I have funds saved up previously from my internship and am wanting to contribute to my Roth IRA. Is there any way to contribute from my savings? Or will I only be able to contribute to my 401k and IRA per pay period? (I'm bi-weekly). From my understanding I can contribute to my Roth IRA until April 18th for the ~~2018~~ 2017 tax filing deadline. Does this mean the "5500" contribution limit refreshes/restarts then? Or is it by the end of the year? (Last day of December, leading into January?) The reason why I am asking this is because I have the funds to immediately knock out my Roth IRA savings for the 2017 AND 2018 year, but feel that I may be too late for 2017.\n\n~~Another point I wanted to make was that I recently upped my contribution on my Roth IRA from 15% to 82% (8% in Pre-Tax 401k) is this bad?~~\n\nEdit: Been constantly editing the post as people have been chiming in. Thank you for your input, I will need to figure out how to contribute to my IRA from my savings and will adjust my contribution again accordingly.\n\nSorry my post is all over the place but I think you get the idea."
  Self: "You may find these links helpful:\n\n- [Retirement Accounts](/r/personalfinance/wiki/index#wiki_retirement_accounts) (articles on 401(k) plans, IRAs, and more)\n- ["How to handle $"](/r/personalfinance/wiki/commontopics)\n\n*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*"
  