我最近犯了一個錯誤

不知道怎麽改正， 明年做稅的時候怎麽弄？我有朋友

說明年到時候後可以幫我. 你有這樣的經驗嗎？

去年我傻呼呼的開了一個traditional ira account , contribute

Several thousand into it. Then I bought spy.

然後我昨天把它轉到我的Roth ira account.

轉了以後我才覺得不對勁. ......

我當初就不應該開Tradicional IRA account to start with！

 那一般是稅前401k 賬戶類別.

我昨天那麽一轉， 就把我的taxes return 複雜了N倍！

有人犯過我這樣的錯嗎？ 分享一下？ 謝謝

所有跟帖： 

• 這不就是backdoor roth麽，有啥問題？ -lanyin0314- ♂ (0 bytes) () 03/04/2023 postreply 10:36:28

• 開traditional ira account 沒什麽問題吧？問題是為什麽要轉到Roth ira account？ -糖果熊- ♂ (0 bytes) () 03/04/2023 postreply 10:37:58

• 我想把賬戶合並一起.. 好操作 -喜喜哈哈- ♀ (0 bytes) () 03/04/2023 postreply 10:47:38

• 我好像應該開一個roller over account. -喜喜哈哈- ♀ (58 bytes) () 03/04/2023 postreply 10:46:34

• rollover ira跟trad ira本質是一回事，隻不過一個是從別的plan roll過來的，一個是你自己貢獻的。 -lanyin0314- ♂ (89 bytes) () 03/04/2023 postreply 11:23:07

• Check if this 60 day rule applicable to you. -Beyond_Soros- ♂ (293 bytes) () 03/04/2023 postreply 10:57:07

• Thanks! The trick is that I deposited the money into wrong -喜喜哈哈- ♀ (183 bytes) () 03/04/2023 postreply 11:05:52

• Within 60 day you may still reverse the conversion process. -Beyond_Soros- ♂ (0 bytes) () 03/04/2023 postreply 11:28:26

• 我每年都這麽幹一次。backdoor conversion。沒問題。用 form 8606 -玩鬧兒- ♂ (0 bytes) () 03/04/2023 postreply 10:58:03

• Did you use traditional IRA account? -喜喜哈哈- ♀ (0 bytes) () 03/04/2023 postreply 11:02:49

• Traditional after tax ira account -玩鬧兒- ♂ (0 bytes) () 03/04/2023 postreply 11:08:50

• 二種方法解決；承認錯誤，轉回去就行。交稅作ROTH conversion -矽穀的魚- ♂ (54 bytes) () 03/04/2023 postreply 13:42:29

• 謝謝大家！我周一打打電話！ -喜喜哈哈- ♀ (0 bytes) () 03/04/2023 postreply 19:06:20

• Re-character ：把IRA contribution換成Roth IRA contribution。 -霞女- ♀ (126 bytes) () 03/04/2023 postreply 20:40:39