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After you file
Wage earners contribute to Trad IRA all the time with no consideration for Roth. It is a tax-deferred account.
Since your contributions were not deducted, you can convert it all to a Roth IRA at no tax.
Only any earnings on your contributed money would be taxed in that scenario.
You have to get your Form 8606 issue resolved first.
‎September 15, 2024
4:26 AM