The rules governing your retirement accounts have been loosened in the year 2020. You have more time to put money in, can take money out early without penalty, and the required minimum distribution rules (RMD) for those 72 and older have been removed entirely.
July 15 Deadline for 2019 Contributions (Extended From April 15)
July 15, 2020 is the deadline for making 2019 contributions to your IRA, Roth IRA, Health Savings Account (HSA) or Coverdell education savings account. It’s also the SEP IRA deadline for sole proprietors and independent contractors who file their income on schedule C with their personal tax return.