Agree ... you have a traditional IRA and you have done nothing wrong and there is nothing you can do to change it at this late date. Since you are young you can convert the entire IRA to a ROTH and enjoy tax free growth and distribution later as opposed to paying taxes on all of the contribution and earnings later. Of course we are only talking about a couple of thousand $$ right now so depending on your income level making the conversion will not be as painful as it could be later in life when your income tax rate is higher.
