<prompt> Human: I put 5500 in Roth IRA in last February before the tax deadline of April, 2015 through Vanguard. But when I filed taxes for 2015, there was no document issued by Vanguard regarding this as of April 2015, and my tax filing software I use a paid online tax filing program didnt ask me anything about Roth IRA money for 2015.Today, I checked Tax Center tab in Vanguard account and now I found a tax document titled 2015 Form 5498. At the bottom of the document, it reads, Please note: Form 5498 is provided to you and filed with the IRS each May for informational purposes only. Though not required for filing your individual income tax return, you should retain this form with your tax records. My question is: If I did not file with IRS last May for my 2015 Roth IRA, am I in trouble? How can I make up for that or should I? In general, how should one state Roth IRA and investment gains received from that money in filing taxes?Thank you in advance for all your answers!  <response>: Roth IRA contributions dont affect your taxes. Unless you have very low income, are not a student, and consequently can take the Savers Credit. 