It is not too late to contribute to an IRA or Roth IRA for 2009.

If you have not already made your contributions to an IRA or a Roth IRA for 2009, you still have time. The deadline for contributing to an IRA is the due date for filing your return, not including extensions. For most people, that means the due date is April 15, 2010. If you make your contribution for 2009 in 2010, be sure to designate your contribution as a 2009 contribution.

Be sure to talk to your CPA and your financial institution before April 15^th. If you want to read all the details for yourself, check out IRS Publication 590.

You may also qualify for a Savers Credit. Check out Form 8880 when you complete your 1040 or 1040A.