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If your MAGI is 271,000, it is too high for a Roth IRA contribution. However, simply creating an account does not require any reporting on your tax return.
So if I don't use my contribution this year for 2020 return, will I just use it next year on my 2021 return?
I don't anticipate having a MAGI as high this year when I do 2021 return next year.
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