Why Limit Roth IRA Contributions? 
That is a great question ! The caps on contribution limits on your Roth IRA were put there to prevent the wealthy form using them as tax shelters . The purpose of the Roth IRA 's are to allow people of more modest means to be able to save for retirement , and special tax advantages were installed in the IRA to encourage that saving . The caps were put in place to help prevent the abuse of those advantages by those who do n't truly need them . Thanks for asking , I hope that helped ! 