Thanks for the idea of recharacterizing the part of the money to a RothIRA, I didn't know that was an option.
It looks like I won't even need to recharacterize it.
I haven't yet filed the 2023 taxes or moved the money into the IRA yet, so I'm going to put the max I can into the traditional IRA ($5130 in my case) then put the other $2370 in a new RothIRA to equal the $7,500 limit this year.
From what I'm understanding reading the IRS doc provided, this is my best move.
