Here's the setup. Each of my adopted kids is 'medically fragile', which means that, although they are not disabled in any obvious way, they are high risk for either physical health or mental health issues within their childhood. As part of the adoption 'deal' (for lack of a better term) with the state, as former wards of the state, the state agrees to provide a fixed "subsidy" for their care, and the new parents (my wife & I) accept the risks. We are then free to buy insurance on the private market, or not. The subsidy is $690 per child per month. We are considering having one each of those subsidies directly deposited into each of our Roth IRA accounts, primarily in order to make saving automatic, because doing it manually doesn't seem to be working out too well. The obvious problem then becomes that $690 times 12 months equals $8280 in a year, or $2780 over the current contribution limit. It will be many a year before the limit rises to meet that fixed subsidy amount. So my question is, what happens after we break the contribution limit? Changing the direct deposit of the subsidy is not an easy process, and not something that we are going to want to do every year. What are the possible consequences of leaving this on automatic?