There are no ways to contribute beyond the limit to a Roth IRA. For 2015, you can contribute up to $5,500 of taxable compensation, or $6,500 if you're age 50+. What you likely heard about is a way to get money into a Roth IRA when one's modified adjusted gross income level is too high to be eligible to contribute directly to a Roth IRA. That's the so-called "back door" Roth conversion strategy, but even then the $5,500/$6,500 contribution limits apply. One other idea...if you have a 401(k) or 403(b) plan through work, check if the plan offers a Designated Roth Account (DRA). In 2015, you can contribute up to $18,000 of compensation through payroll to a 401(k)/403(b) plan, or $24,000 if you're age 50+. You can make deductible contributions to the 401(k), non-deductible contributions to the DRA, or some combination. If you have a 401(k) or 403(b) plan but no Roth option, talk with HR or your plan sponsor about adding it. It's a fairly simple plan amendment and notification process for them to do so.
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