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Reply to "Does my mother need to take an RMD from her IRA or can she just convert it to a Roth IRA?"
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[quote=Anonymous] You cannot make contributions for 2023 and 2024. If you had made the 2023 contribution before April 15 of 2024 and the 2024 contribution before April 15 of 2025 you would be fine. That said, you can now make the contribution for 2025, but must pay the taxes on the money you convert to the Roth. [/quote]
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