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Backdoor Roth / Married Filing Separately question?

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Peak 4 items in one 15m at Aug 11, 4 PM; 7 items over 12 hours Aug 11, 3:53 PM — no itemsAug 11, 4:08 PM — no itemsAug 11, 4:23 PM — 4 items · Reddit 4Aug 11, 4:38 PM — 1 item · Reddit 1Aug 11, 4:53 PM — 2 items · Reddit 2Aug 11, 5:08 PM — no itemsAug 11, 5:23 PM — no itemsAug 11, 5:38 PM — no itemsAug 11, 5:53 PM — no itemsAug 11, 6:08 PM — no itemsAug 11, 6:23 PM — no itemsAug 11, 6:38 PM — no itemsAug 11, 6:53 PM — no itemsAug 11, 7:08 PM — no itemsAug 11, 7:23 PM — no itemsAug 11, 7:38 PM — no itemsAug 11, 7:53 PM — no itemsAug 11, 8:08 PM — no itemsAug 11, 8:23 PM — no itemsAug 11, 8:38 PM — no itemsAug 11, 8:53 PM — no itemsAug 11, 9:08 PM — no itemsAug 11, 9:23 PM — no itemsAug 11, 9:38 PM — no itemsAug 11, 9:53 PM — no itemsAug 11, 10:08 PM — no itemsAug 11, 10:23 PM — no itemsAug 11, 10:38 PM — no itemsAug 11, 10:53 PM — no itemsAug 11, 11:08 PM — no itemsAug 11, 11:23 PM — no itemsAug 11, 11:38 PM — no itemsAug 11, 11:53 PM — no itemsAug 12, 12:08 AM — no itemsAug 12, 12:23 AM — no itemsAug 12, 12:38 AM — no itemsAug 12, 12:53 AM — no itemsAug 12, 1:08 AM — no itemsAug 12, 1:23 AM — no itemsAug 12, 1:38 AM — no itemsAug 12, 1:53 AM — no itemsAug 12, 2:08 AM — no itemsAug 12, 2:23 AM — no itemsAug 12, 2:38 AM — no itemsAug 12, 2:53 AM — no itemsAug 12, 3:08 AM — no itemsAug 12, 3:23 AM — no itemsAug 12, 3:38 AM — no items 4 items · 4:23 PM
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  • Is there any special paperwork I need to fill out to announce that I’m pulling that excess contribution money out Just the normal ones. You can withdraw money on the website or on the app. It's simply a withdrawal. 2026 Form 8606 part 3, because you're withdrawing money from Roth IRA. There is no tax or penalty for withdrawing up to contributions…

    DeluxeXLr/personalfinance10h agoview on r/personalfinance ↗

  • However, when I consulted a CPA about fixing the other couple of contribution years, they said that I cannot do a backdoor Roth at all while MFS They are wrong. If you have includable earned income, you can do BDR. What they should have said is that you cannot recharacterize after the deadline has passed. Since the deadline to recharacterize is…

    DeluxeXLr/personalfinance11h agoview on r/personalfinance ↗

  • irs form 5329. what brokerage do you use though? you can probably just call their customer service line. excess contributions aren't a super niche topic, they should be able to tell you what to do

    BudgetPineconer/personalfinance10h agoview on r/personalfinance ↗

  • Thank you! I am aware that I can’t recharacterize those years, and wanted to know what I can do about it to fix it. Is there any special paperwork I need to fill out to announce that I’m pulling that excess contribution money out, or just… do it? Also, would I need to somehow withdraw the earnings I made from those years as well?

    justheretosnark123r/personalfinance11h agoview on r/personalfinance ↗

  • You may find these links helpful: Retirement Accounts "How to handle $" I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

    AutoModeratorr/personalfinance11h agoview on r/personalfinance ↗

  • That cpa should lose their license for giving such incorrect advice Backdoor roth:

    Werewolfdadr/personalfinance11h agoview on r/personalfinance ↗