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Retirement tax questions
you have almost the right idea but it is not that complicated.
If you converted your IRA you can no longer satisfy the RMD from those funds.
instead, apply some or all of your eligible 2022 contributions to make up the shortfall.
that reduces the amount you would actually be allowed to contribute in 2022.
See Form 5329 for the details.
‎February 7, 2022
5:40 PM