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2018 IRA Over Contribution
When filing 2018 taxes, I was advised that my spouse's IRA contribution was over the limit. I withdrew the suggested amount before filing taxes. However, when preparing 2019 taxes, I discovered that we were still $190 over on her limit. I looked back at the 2018 taxes and sure enough Form 8606 showed the non-deductible contribution. Not sure how I missed that during the QC process. Regardless, now I'm in a dilemma. TurboTax 2019 is asking if I've withdrawn the additional amount after the 2018 filing deadline. I have not. Furthermore, I've tried to work with Pershing (where the traditional IRA account is held) and they state they cannot do anything with our 2018 contributions. What can be done? Do I just reduce her 2019 contribution by $190? We've taken distribution much more than that. Should we do something else? Thanks for your suggestions.