<prompt> Human: Even if its just a small amount, its an amount you can never catch up on after today. Also if you make a Roth IRA contribution you can withdraw your contribution tax free and penalty free at any time.  <response>: Even if its just a small amount, its an amount you can never catch up on after today.Never thought of it this way. It might not seem like a whole lot but I just now contributed 162.50 to get a nice even number for 2014. Thanks for the heads-up. 