@dmertz Understood on the contributions for 2020 and 2021 since they are going into traditional IRA accounts anyway.
What about 2019? Once Schwab helps me calculate what the $6K contribution equates to, do I need to do anything about the appreciation? Or is it because it is a Roth account, that the money will just transfer to a regular brokerage account.
Regarding your statement on the 2020 tax return needing an explanation statement. Where exactly do I do that? Is that in TurboTax? Or is this something I need to send to the IRS?
