I have another question. I retired in December 2020 suddenly due to offered incentive and I also got paid for my unused vacation and sick times that drive my AGI over my income limit not qualify to contribute full amount to my ROTH IRA. I already contributed to 2020 & 2021. What should I do now? Any exception ? I also had done the Catchup $39,000 contribution to my Deferred Comp. I work for local government.
