When you file as Married filing separately, you cannot contribute to a Roth IRA if your MAGI is more than $10,000,
Any excess contribution not withdrawn before the due date of your tax return is subject to an excise tax of 6%. And this excise tax is payable for every tax year that the excess remains in your Roth IRA account. It only ceases when you withdraw the excess (together with any related earnings). It will not cease if you file jointly next year.
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