I just learned that if you file married separately, you can basically only contribute to a Roth IRA if you make less than $10k in earned income that year. You don't have the same limitation with contributions to a Trad IRA.
So if you insist on filing separately (as I do), you need to fill out a form that recharacterizes your Roth IRA contribution into a Trad IRA contribution for that year.
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