<prompt> Human: What happens if I max out a Roth IRA, lets say a lump sum of 5,500, and it loses 10 550 of the value, during a crazy day in Wall Street, and its now worth 4,950. Can I contribute 550 more to the account to keep it max or is that considered over-contributing since I already contributed 5,500?  <response>: Youre done for the year. 