<prompt> Human: I already filed my taxes and I have about 1000 more till Im at the max for 2013. Does it make sense to continue contributing to it? Or should I just continue to fill up my 2014 Roth?  <response>: Not being able to put the 1K for 2013 is 1K you will never be able to put in to the Roth again because of the yearly limits. 