I contributed $1500 into a Roth IRA from Jan-June 2021. In July 2021 I will begin a new job that offers 401K with matching benefits. My income for 2021 will now be large enough that I won't qualify for Roth IRA contributions. Do my Roth IRA contributions for this year become "Excess?" If I withdraw the Excess Contributions this year and pay the taxes and penalties, am I free and clear to max out my 401K contributions for 2021. Do I have other options or considerations on what to do with the 6 months of Roth IRA contributions so that I can still max out my 401K contributions? Thank you.
