I may do that, I just got done funding the Roth for 2016. My wife doesn't have one, so I could potentially still fund one for her for 2016, then both of us for 2017 making another $16,500. The main reason for letting it sit in cash is my wife's comfort level. I am going to try to work on her some more though and convince her that this would be a better use of the money. I am comfortable with around $3,000 in cash myself, plus we have another account with a minimum of $3,000 in it for the rental. Combined with the credit cards, there's plenty of buffer there if we needed to pull some money out of the Roths.