I regret my delayed response, since I have been traveling. Your info has been particularly useful to me.
Yes, I thought that maybe I could split the contribution, since it won't be used right away. You obviously discourage such a move. I went back to my 2023 return and plugged in a $5,000 contribution ( I used the Easy Step method), and was surprised to learn that it did not reduce my taxes by one bit! My AGI and taxable income were over $200,000, so I wouldn't think th.at my donation was too large to be acceptable, or deferred to another year. I know that a donation can't be greater than 50% , or two-thirds, of one's AGI. If I remember correctly, the donation amount cannot be entered directly into a Form 8283. Very confusing.
