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Message: [QUOTE="HuskyHawk, post: 3900458, member: 1414"] Huh? I don’t understand this. You were either eligible or not (or have phased out eligibility). Roth contributions are after tax and then grow tax free. Traditional IRA or 401k are pre-tax and then grow tax deferred, but you pay tax on withdrawal. If you aren’t eligible because of another plan, then stop contributing and correct anything by recharacterizing. [URL="https://www.investopedia.com/what-to-do-if-you-contribute-too-much-to-your-roth-ira-4770686"]What to Do if You Contribute Too Much to Your Roth IRA[/URL] [/QUOTE]