[Carter]

I’ve done that before- you just need to recharacterize from a Roth to a traditional before converting back to a Roth as a backdoor contribution. Vanguard walked me through the paperwork, but it wasn’t that much work. Now I always do a backdoor, just to be safe.

[Jason]

Request a “Return of Excess Contribution” from your Roth IRA. Custodian will do the math and process within a couple days.

You can then choose to make 2022 contribution to your Trad IRA, either for deduction or back door Roth. That, of course, is another whole discussion.

[Mike]

Do you have an existing tax deferred trad IRA?

If not, have the contribution recharacterized as a trad IRA contribution. You won’t take a tax deduction for it… – Instead – you’ll convert it to your Roth IRA.

[Author]

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