re: Contributions to Roth for 2014

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To expand on the original topic, what if anything do you have to do when contributing to the Roth in 2015 during the purchase to use it towards 2014? Besides claiming it on your 2014 tax returns, is there anything special you need to do on your tax forms?

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Not sure what you're asking, but when I contribute to my ROTH between January and April with Vanguard, the set up is a little different. When I get to the BUY screen, I get two boxes, one telling me how much I can contribute for 2014, the other what I can for 2015 with the blank below. I put in the number the 2014 box and that's that.

Come May or what not the 2014 Box will all be gone.

Another FYI. I have a small amount that goes directly to my ROTH. When the year switches, this "direct deposit" into my ROTH counts towards 2015 automatically, so usually by the time 2014 contributions are done in April, I'll already have a 1,000 or so towards 2015.

I don't really "claim" any thing on my taxes. There is nothing to claim or forms to fill out, at least for me, since this money has already been taxed, unless you take a disbursement and/or need to file a disbursement exemption like first home purchase.