I have been contributing excess amount to Vanguard Roth IRA for 2021, 22, 23 & 24. When I found out in 2024, I moved money into Vanguard IRA for 2023 and 2024. Vanguard told me I cannot do backdoor Roth IRA because I have another IRA in Fidelity
1. Is it correct?
2. Now in 2025 when I am doing turbo tax , it is charging me penalty for excess IRA contribution and asking me to withdraw money. Where do I move the money ???...to Roth or simply my Savings?
Please help with questions above
