that's not going to work. >> rolling in money from my unemployment check, can't do that? >> no. you can't do that, either. if you make too much money at that job you're out of luck, you can only contribute the full $5,000. if your income falls below $105 and 166,000 if you're married and filing jointly. so if you expect to make more than the income limit at some point in your career, you should open a roth while you're still young and eligible and opening up a roth ira is very easy. if you want to be conservativco invest in money market accounts and cds. use a brokerage firm or fund company and if you prefer to invest in individual stocks then you want to use a discount broker and some companies will let you open an account and make contributions online. be sure to designate which year you want it for. young people be a bit more aggressive because you have
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