Retirement tax questions

can you confirm if you are eligible to make the Roth contribution (via recharacterization) as you stated "I am over the income threshold for both Regular and Roth IRA deductible" - deductible contributions don't apply to Roths, the income limit applies to the ability to contribute if that's what you're referring to for the Roth, which would result in an excess contribution with 6% penalty until it's rectified

 

 

Roth IRA Limitations.jpg