dmertz
Level 15

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Right.  The indication that she participated in a workplace retirement plan has apparently made some or all of her traditional IRA contribution nondeductible due to her MAGI being above the corresponding threshold for her filing status.

 

Depending on her MAGI and filing status, she might be eligible to make a Roth IRA contribution, in which case it would make sense to recharacterize the traditional IRA contribution to be a Roth IRA contribution instead, rather than obtain a return of contribution.  Also, if she has no other funds in a traditional IRA and she is ineligible to contribute directly to a Roth IRA, it would make sense to keep the nondeductible traditional IRA contribution and in 2024 do a Roth conversion.