A Roth contribution made in Jan '24 for 2024 can be recharacterized, up until the due date of your tax return which is April 15, 2025.
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recharacterization: the original amount to the first IRA you report as contribution to the second IRA, earnings move but are ignored.
You must use a trustee-to-trustee transfer before the return due date .
You will have the trustee calculate the allocable earnings.
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I agree with @Mike9241
I very much regret putting so much into a Traditional IRA rather than a Roth IRA.
My financial situation now would be vastly different.
@cspyon
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