Remember you have till April 14th to get in your 2013 tax contributions. This year standard limit is 5,500 for under 50 per individual and a catch up of 6,500 for those over 50.
Here is a snapshot of tax situation. Also know your income level. Per example:
You could be at the 146k household amount level and if you stay above 146,400 you are in the 28% tax bracket. Making a last minute contribution MIGHT just keep you at the 25% tax level. 1k could save you 4,300 bucks……. When you start making REAL money, you HAVE to have a good accountant that knows where you will fall. If not, you are only costing yourself money.
Just a heads up!