Put money into your Roth IRA regardless of the market. Your annual contribution limit is likely to be $5,500 like most folks. Keep it in cash if you're worried.

Put money into your Roth IRA regardless of the market. Your annual contribution limit is likely to be $5,500 like most folks. Keep it in cash if you're worried. Just consider: if you max out your contributions over the next 40 years of your life, the most you can ever contribute to your Roth IRA is about $220,000. That's it.