Dana, thank you for your response. In 2022’s tax return, I never got a warning about Excess contribution - only the Form 8606 saying my IRA contribution was non-deductible. I just had TurboTax Live support take a look at 2022 and they confirmed it wasn’t Excess - just non-deductible. That year, I had both W-2 income as well as self employment income and made a Traditional IRA contribution and a Solo401k contribution. But I didn’t exceed my income. I had enough W-2 income to cover the Traditional IRA, and enough self-employed income (net profit minus 1/2 self-employment tax) to cover the Solo401k contribution, separately, so I am greatly relieved!!! Thank you for your help. I truly appreciate this community of knowledge.
