I finally maxed out my Roth IRA last year in 2025 and lost all of it. Is there any coming back after this lol

    https://i.redd.it/4ycly80wnnqg1.jpeg

    Posted by Negative_Permit4642

    33 Comments

    1. betwixtphencyclidine on

      have you tried buying stocks that increase in value? that usually helps for me.

    2. LitterBoxServant on

      Y’all really yoloing into contract premiums in accounts with no wash sale rules? Fucking retards.

    3. Is there coming back from losing a maxed out Roth IRA from 2025?

      So like $7,000 lost? Yes there absolutely is time to recover. Stop playing options in Roth IRA. Invest the maximum and play with small change in your individual brokerage if you must touch options.

      Invest off a small % amount of your net worth. Hopefully it pays off and now you have profit. Deposit the principal back and then now you have a small lump of profit to play options with.

      If you were going to win at options anyway then this will begin turning in to thousands-millions. If you were going to lose anyway well then at least all you lost is $1000 or whatever number you decide.

    4. TheOGfromOgden on

      Accountant agencies in shambles as Redditor discovers this one trick to avoid capital gains taxes.

    5. mark1forever on

      if I ever learned anything, NEVER ever gamble in your tax free accounts, because once it’s gone it’s.. gone.. you cannot claim any losses.

    6. TwilightSaphire on

      Everyone telling you that you can’t claim your tax losses on a Roth is wrong, OP. You just need to close the account. Then, any money you contributed can be deducted as any other capital loss can.

      You should do this, then open a new Roth for this year. Seriously, it’s a thing. Look it up if you don’t believe me. You should absolutely take the tax write off.

    7. You’re a gambler. No you’re not going to make your money back. Don’t be an idiot.

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