Late in 2022, my previous employer ended their 401k and I had to move my money. (Traditional 401k funds) Did it to an existing IRA account, but in completing the information, I mistakenly put down the account number for my Roth account with the same mutual fund.
I noticed as soon as the money moved that it had gone into the wrong bucket and spoke to the brokerage and they instructed me to send a letter and request it to be recharacterized which I did but it was 2023 before that happened. The 5498 documents now shows it as a Roth contribution for 2022. The account shows a recharacterization during 2023.
Did I blow it twice, once in the number error and then in listening to the brokerage? I'm not eligible for a Roth contribution and just wanted it corrected, but did I need to take the money back and then redeposit it? Reading now that Roth contributions can't be recharacterized post-2018 but it wasn't even eligible to go into that Roth account to begin with. I can only contribute to a Roth via the backdoor conversion.
