so I'm looking at www.rothira.com and right at the top it says: Will 2008 be the last year for Roth IRAs? Major income tax changes are highly likely in 2009. Since Roth IRAs have never been popular with Democrat party politicians, 2008 may be your last chance to set up a Roth IRA and to reap its benefits with tax-free growth. We will monitor tax proposals as they are released and publicize them here. (10/30/08). What kind of sweeping changes, if any, do you think will happen? One problem for full-time traders is they can only contribute up to the amount of earned income (W-2) that they made that year.