<prompt> Human: Hey everyone Ive been making contributions to my Roth IRA for the past few years with Vanguard Target 2045 account. My question is I dont ever see any taxes come out of these contributions. I opened it with 3k and have put a few hundred here or there over the past few years, and just put in 2k more yesterday. The only thing I see in the transaction history negative is a few sells of 20. Thanks for the help. Thanks for the responses, I always thought you paid the capital gains tax when you made the contribution rather than the disbursement.  <response>: You already paid taxes on the money. 