Retirement tax questions
If your MFJ income is below $208,000, line 11 income becomes the starting point for your MAGI for ROTH. If you don't have any of the other items listed below, it will be line 11 AGI which after expenses for your wife's piano teaching, was less than the two ROTH IRAs. If the SEP contribution has not been made, that could adjust the income and might be easier to not make a contribution vs withdrawing the excess on ROTH.
Here again -with the worksheet this time!
