Hi my household income is exceeding the allowed AGI for a direct Roth IRA contribution. How would I utilize the Roth IRA backdoor conversion moving forward in future years? Should I fund a traditional IRA with 6,000 and immediately convert it to my Roth IRA? When should I do this? In the current year or before April of the following year? Also, this year I have some 2019 contributions into my Roth IRA already, how should I go about refunding the contributions?
