<prompt> Human: I dont have enough money to max out my Roth IRA this year. I made the income, so legally I can do it, but financially I shouldnt Got 3500 on a credit card. I put 2000 in so far. Should I put the other 3500 in on December 28th, and then withdraw 3500 on January 2nd? Will this offer a tax advantage? Or is it moot?  <response>: You can contribute towards the 2014 ROTH IRA until April 15, 2015 tax deadline. I have a hard time following the logic of putting money into the Roth and withdrawing it a week later. There is no immediate tax advantage maxing out your Roth and withdrawing a week later. 