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@MinhT1 : thanks a bunch!  I have the following follow up questions:

1.) Good to know.  Can I transfer funds from my personal account to the Traditional IRA account? Or I have to wire funds from my bank to Fidelity's Traditional IRA account?

I plan to do two separate transactions (6K for 2022 and $6.5K for 2023) to keep it clean. 

 

2.) Where I can learn more about "nondeductible" Traditional IRA ? I am not sure about the "nondeductible" part

 

Best, 

Gulsheen