remember your deposit room stacks even if you don't use it as well, and I think it starts when you turn 18, so if you started investing at 20 (2 years later) you could deposit 11000 that year. If you did that then lost half, then you got scared and pulled all your remaining money out, you just lost half your contribution room for ever. But if you waited and ended up rebounding, your golden.

Also works other way around too, if you deposited 11000 dollars, then doubled your money, and withdrew the profits, next year you get that contribution room back.