<prompt> Human: Back in April, I was a 22 year old college student filing my own taxes for the third time. Just like everything else I ever do, I waited until the last possible day to start. The only work I did during the 2014 tax year was a summer internship, and I didnt earn too much, so I figured taxes would be easy. I thought I had saved all the paperwork I needed, but couldnt find my W2 form. I assumed I had misplaced it. This was no big deal: I paid an estimate for my taxes online, filed for an extension, and decided to request a new W2 later. I also contributed 2000 to my Roth IRA. Fast forward to yesterday. Even though I worked for an unrelated corporation, my employment somehow went through my university rather than the people I worked for. My university gave me my payments last summer still not entirely sure why so I went to the office there to request a new W2. The lady at the desk told me that they didnt have a W2 for me, or any record of me working for them. After a little digging she found records of the money I was paid, but they were counted as university scholarships. And she told me that because my scholarships outweighed my cost of attendance that year, it wasnt reported to the IRS. This meant that in their eyes, I earned no money that year. Awesome! I get all my money back from the IRS! But then I realized the problem. You are not allowed to contribute more than your total earnings for the year to your Roth IRA. Since my income was technically 0 for the 2014 tax year, I wasnt supposed to contribute any money.Im still horribly confused by taxes and worried that this mistake might land me in a lot of trouble. What should I do?  <response>: 1 Calm down.2 Theres a process for this. Basically, you just made a contribution thats not allowed. Ive done this before too, due to income limits. You just need to google the IRS process for it, and follow it. The short is: Withdraw the moneyclose the account if its all you have in it, you will have to pay taxes on any earnings you made on the 2,000. The end. 