Thank you @dmertz
My 2018 contributions were all in 2018. My net income was lower than anticipated and I thought I was being wise investing throughout the year.
Good to know I can’t do this with TurboTax. But that’s a huge monkey wrench now.
If as was suggested earlier, my window to avoid 2019 penalty interest has passed anyways, does it just make sense to file 2019 as-is, then deal with this for the 2020 return?
And assuming I just deal with this in the return for 2020, can I still use Turbo Tax, then file the 5330 form separately (or perhaps later as an amended return)? Or does that form requirement eliminate my ability to use TurboTax completely for 2020?
Thanks again!
