rbynaker
Level 14

The 2019 IRA contribution would probably not be excess (unless there's no earned income), it would simply be non-deductible.  I've reported these alone on Form 8606 and that the TP sign & mail it in by itself.  Technically the IRS can assess a late penalty (I think it's $50) but I've never seen it actually happen.

The 2020 Roth IRA contribution can be corrected by 5/17/21 and you just pretend it never happened.

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