I maxed my Roth IRA for the first time last year ($6,500, and now $7,000 for 2024). A few things I learned in the process.

The contribution limit is per person, not per account. You can have both a traditional and Roth IRA, but your combined contributions across all IRAs can't exceed the annual limit.

You can contribute to a Roth IRA for a given tax year until the tax filing deadline (April 15 of the following year). So you have until April 15, 2025 to make 2024 contributions — a fact I didn't know my first year.

For the investment choice inside the Roth: I keep it simple. 100% VTI in my Roth, since the tax-free growth there is most valuable for the asset that will grow the most. Bonds, if I held them, would go in a traditional account or taxable brokerage where the tax treatment is less critical.