While I was filing my taxes with Turbo Tax, I mistakenly selected that I had a Roth IRA account. I did input the correct information- I was married and filing separately from my (now ex) spouse, and lived with them at some point last year. I contributed to my Roth retirement account too.
I got a notice from TurboTax stating that I made an excess contribution. The IRS states that for my situation, I cannot make a contribution to a Roth IRA at all for 2024.
However, I realized that I do NOT have a Roth IRA. I have a Roth 403B through my job, which is a non profit.
This whole thing made me question things though. Does my situation still affect my ability to have contributed to my Roth 403B in 2024 too? As in, would I be penalized for contributing to this account and filing married but separate (having lived with my spouse at some point last year)?
