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sciguyCO t1_jebrtfk wrote

Yes, you can recharacterize the tax year and not have to redo your 2022 tax return. For most people, Roth IRA contributions have zero impact on their taxes, so don't even get reported on your return.

The one exception would be if you or your spouse qualified for the "saver's credit" on your 2022 return, that's a tax credit given for you saving for retirement. But even then, an amendment would only be necessary if the extra 2022 contribution from the recharacterization increased that credit.

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