<prompt> Human: I did my 2011 taxes already and have received my refund. Since then, I opened a Vanguard Roth IRA which gives me the option to contribute to 2011 or 2012 sections.I think it makes sense to contribute to 2011 since then I can contribute to 2012 as well and save more money. Since Ive already done my taxes for 2011 -- if I were to contribute to the 2011 section, would I have to resubmit something to the IRS about the contribution? If so, would I get more of a refund or less of one? Any thoughts?  <response>: You should max out both 2011 and 2012 if you can. 