Retirement tax questions

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@chadfedie wrote:

It's through American Trust. The two options it lets me contribute to shows, "Pre Tax" or "Roth". I contributed to Pre Tax from 1/1/2023-May-ish 2023, stopped for personal reasons. Then in January, I changed my contribution percentage to the "Roth". Does this screenshot help?

 

 

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You have a 401k with a pre-tax and Roth option.  You do not have a separate IRA.  Enter your W-2 only.

Code D means contributions to your 401k.  They have already been removed from your W-2 box 1 taxable wages, so you don't pay tax on the contributions (that's your tax deduction, they were taken out of your paycheck before taxes).  

Since you only started making Roth contributions in 2024, they will be reported on your 2024 W-2 with a different code.