I’m age 63 and plan to retire in 4 years and start withdrawling from my IRA plus ss. Should I add 7k to my roth or am I at that point where it might be to close to the time I start withdrawling ?
There’s no way to know without knowing more about your income and other savings. If you qualify to deduct traditional IRA contributions, that’s probably the best (assuming you are near your peak earning years). I presume you have a Roth IRA already. If not, watch out for the various Roth IRA 5-year rules if you decide to go that route.