I am single, 28 years old. During 2021 I made $6000 contribution to my Fidelity Roth Ira account. When I prepared my taxes with TurboTax Premier, I got a suggestion to contribute $3000 to Ira account to reduce my taxes. I made $3000 contribution to my Charles Schwab account. I thought that the limit of $6000 applies to both, Roth Ira and Ira for a total of $12000. It looks like I was wrong. I already submitted my return. Is it true that I can contact my Fidelity and ask them to apply $3000 from 2021 to 2022 year and leave my 2021 tax return without changes? Is it any penalty?
