Thank you.
Happy holidays
We have never taken a withdrawal. And I should have made that more clear, my reference to contributions was FOR the tax year 2022. If I make sure I have 2022 contributions of $4k or more... then thats a contribution?? And I don't see anything about low-income but rather just a AGI of a certain amount, which by my deductions should bring us below the number mentioned.
And a non refundable credit.. I don't believe my business expenses/deductions, will bring us to Zero... just a refund on what my wife has already paid. So, a nonrefundable credit would still offset any remaining amount due??
