Yes, I still have freelance income, along with social security. I usually have enough income to be able to make an IRA and SEP IRA contribution. I usually end up having to fund at the last minute... It would probably make more sense to wait until 2022 to fund it since the tax I would pay on the withdrawal would then be in 2023 I assume. The problem is any additional funds throughout the year come from sales of securities which are all taxed of course. Just looking for ways to minimize the tax and stay under thresholds if possible. Thanks for your assistance.
