@NN24 wrote:
Thanks. If I do recharacterized contribution non-deductible, then I should just leave my contribution in Roth. Since my income is not over the contribution limit, it will be less complicated right? The reason I want to recharacterized Roth IRA, I thought a deduction would be better.
In general, if your income allows you to make contributions to a Roth IRA (and you want your money to end up in the Roth in the end anyway), you should just make the Roth contribution and leave it alone. Making non-deductible contributions to a traditional IRA creates extra paperwork you have to keep track of (the IRS does not keep track for you) and the main reason to do that is if your income disallows Roth contributions.
