I was not aware I am not able to contribute to a Roth IRA and IRA. in 2023 and 2024. When I filed taxes in 2023, I did not report this. Now in 2024, I contributed $950 each to both accounts and I am still not working. Can I pay the 6% penalty and not withdraw this amount? Then, when I file my taxes for 2025, I can withdraw it?
