1 & 2) I've found out that all $60 of my contributions in 2023 were applied to 2023, so I (thankfully) correctly filed with $60 excess.
3, 4, & 5) Thank you! Noted.
6) You "use up" the excess by applying the 2023 excess as a 2024 contribution.
Forgive me if this is an irrelevant question: how do I go about applying the $60 excess as a 2024 contribution? For our 2024 tax return, I see that you say it'll be done with Form 5329. But is this something I have to separately take care of on Fidelity Investments? Or is there nothing to do on there after we've filed and resolved the excess?
Our MAGI is < $230k ; Husband maxed out his 2024 Roth, and I haven't contributed to mine since 2023, so I definitely have room for my excess $60 in my $7k Roth IRA contribution limits lol.
