<prompt> Human: 2017 is the first year Ive started my Roth IRA. Im trying to max it out at 5,500. Im nearly there. But my auto payment to my account is saying it has started contributing to 2018 already. Shouldnt it be placed in 2017 still? I use USAA for this. Should I ask them to fix this? Dont I have until April to contribute it to 2017?  <response>: Guessing auto payment only goes to the current year. You may need to do manually payments for last year. Just call customer service they may be able to reallocate it. 