My wife has an IRA with pretax funds from various employers. I'm moving it into her new job's plan (she has not worked in several years), it was still funded at the end of the year. I would like to make a backdoor Roth contribution. Can I use the 2020 tax year without co-mingling funds or do I have to pass on 2020 since I did not get the account rolled into her new employers plan before the end of the year?

July 23rd, 2023

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