Get a loan so you can make the maximum Roth IRA contribution.
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Roth IRA contribution loan
Roth IRA Contribution Financing
Get a loan so you make the maximum contribution to your Roth IRA by April 15th. Keep in mind:
  • You must contribute to a Roth IRA by your tax filing deadline (not including extensions).
  • The 2020 maximum contribution for Roth IRAs is $6,000 ($7,000 if age 50+).
  • Invest early and take advantage of the effects of compound interest.
While you don't get an immediate tax deduction for contributing to a Roth IRA, all distributions (including earnings) while in retirement are tax free. If you expect to hold your Roth for 25 years or more, it's not uncommon for the assets in your Roth to increase in value fourfold or more. Thanks to tax free distributions, Uncle Sam won't touch those earnings.

Another added benefit of Roth IRAs is that you can withdraw contributions (but not earnings) at any time, without penalty. In other words, if you get a loan to make a contribution, then later decide that you can't afford the loan, simply take the money back out of the Roth and repay the loan – no risk.

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