Thank you for that detailed answer. I assume if I contribute all 7500$ for 2026 plus the 300$ carry over the irs won’t say I’m over the limit? I assume they’ll recognize 300$ of it was from a late contribution for 2025. I did look at an 8606 online and saw there’s a line dedicated to “how much of this contribution from line 1 was made between january1- April 15” so I should be ok I’m hoping. I also assume turbo tax will auto create the 8606 and fill it in for me? I’ll have to see a cpa if not lol.
