I made our final catch up contribution for 2012. We didn't contribute to our Roth IRAs for the first six months of this year because of my husband renting an apartment for school on the East coast.

We started up again in July with our regular contributions. I have been making some rather large lump sums lately to catch us up. I made a $825 contribution for each of us today.

It makes my bank account look lighter in funds, but hopefully it will boost the retirement account!! It does seem things are on the rise again. Maybe. Overall, it has been a good year for the stock market. Do you agree?

Our final Roth contributions will be made in about 10 days to bring us up to the maximum amount for the year. Next year we get to bump that up to $5,500 each! Do you have a retirement plan? Could you start saving $50 a month into a Roth IRA? Make it a goal for 2013 to start investing for your future.