It appears that the Roth IRA contribution I have already made for 2020 is not allowed because of my AGI.
The online help says, "If a Roth IRA contribution is allowed next year (or any future year), excess contributions can be applied up to the contribution limit for that year and no longer subject to the penalty."
Does this mean I can leave that contribution out of this year's returns and use it next year instead?
If I have to withdraw that amount instead, how do I calculate how much money was made by that contribution only. Will Vanguard be able to tell me that?
