Retirement tax questions

recharacterizing "contributions" is very different than recharacterizing "conversions". 

 

You can recharacterize 'contribution dollars' , but not 'conversion dollars' 

 

putting after tax money into a Roth IRA is a 'contribution"; rolling dollars to a Roth IRA that were already contributed to an TRAD IRA is a 'conversion'. 

 

you described a "conversion' is what you are trying to accomplish - not a contribution.

 

this is a good article. Note the consistent use of the word 'contribution' 

 

https://investor.vanguard.com/investor-resources-education/iras/ira-recharacterization

 

as you read, review the very last statement by Vanguard: 

 

"Remember, a Roth conversion completed after December 31, 2017, can no longer be recharacterized back to a traditional IRA later.""