Thank you Ray for your prompt response.
I have another question, which may be another option for me in regards to my Roth contribution that I made in 2020.
Since I contributed too much to my Roth, based on my 2020 income, can my Roth contribution be recharacterized as a non-deductible contribution to my Traditional IRA? And if so, can the earnings on the Roth contribution also be recharacterized, or will I have to pay tax in 2020 on the earnings?
Thank You for your help.
