@dmertz @Opus 17 could you explain how, if at all, you need to mark excess contributions as being used for future year contributions where you don't reach your limit with contributions for the future year? I'm having a hard time following but it sounds like you might not need to do anything? Does the IRS track your excess utilization in future years or do you need to track and identify that yourself? Also do you have any links to resources that describe this strategy? Looking at Publication 969 I couldn't find anything that suggests what you are describing is possible. Thanks!
