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Somehow I managed to accidentally post this in the Speaker's Corner...sorry if you've seen this before:

I'm a college student with an AGI of roughly 15,000 per year. I also have a modest Trust fund that converted to a regular account when I turned 21 in May. I've been planning on leaving this fund alone as much as possible, but since with tax credits I pay no income tax shifting $2000 a year from this account to a Roth seems like a good deal since it would be completely tax free.

My question is, is it still possible to make a contribution for tax-year 2000, or have a missed the boat on that?

Thanks!
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