<human>: I don't know much about tax stuff so please help me out on this: I opened a Roth IRA about halfway through this year. My monthly contributions will make it about halfway to maxing it out by the end of the year, since I couldn't fit it in my budget to "double up" payments for this year to max it. Can I/Should I contribute the rest from my Emergency fund, and then build up my e-fund again early next year, especially since my tax return next year will help a lot, as I haven't adjusted it yet so I'll probably get a few thousand back like I did last year (I know, I need to fix that and get more in my paychecks). 

I'm not worried about losing my job within the next few months (or longer) and I've been considering shrinking my e-fund anyways since I come nowhere near my credit limit each month (so I could use it as a buffer in an emergency: use credit then start pulling from e-fund), and my e-fund is good for like 6 months as it is.

Can you condense the text into a few key points?
<bot>: use some extra emergency funds to max out Roth IRA this year and rebuild the fund early next year, or don't worry about maxing it this year and focus on maxing it in coming years without having to touch emergency funds?