Maybe you can reduce that daily amount of coffee to just once or twice a week, or skip it entirely and invest that money in your IRA for a few years. However, you can still contribute to a Roth IRA and make cumulative contributions to a Roth or traditional IRA, regardless of your age. Nor is there any age restriction if you are setting up a new IRA to which you will transfer or transfer assets from another IRA or from an eligible retirement plan, such as an employer-sponsored plan, such as a 401 (k). Putting your money in an IRA when you've retired may mean keeping it for a certain period of time.
Additionally, you can even consider buying physical gold in an IRA to diversify your retirement portfolio.