I'm currently angsting about the fact that I decided to wait until 2008 to open a Roth IRA. At the time, I was panicking about my high student loan balance, so I took a few thousand and threw it at that. The more I think about it, the more I know I should've used it to fund a Roth IRA for 2007.
My boyfriend will start his last year of law school in the fall. Right now he's got a summer associate position at one of the top firms in this city, and in all probability, they'll hire him after graduation. The starting salary is huge -- it alone is too large to qualify for a Roth IRA. Add my salary to that, and it's hopeless. Knock wood, but if we get married in the next few years, that only leaves 2 or 3 years of Roth IRA funding I can do. Not the worst problem to have, I know, but I just opened it.