Footsox,You are not really being scolded - just given good advice. Open the traditional IRAs on Monday, and file an extension on your taxes. This preserves your options as much as is possible at this date. If you are later determined to be ineligible, the money can be withdrawn. But if you miss the Monday deadline to make the deposit, there is no do-over.Really is likely right on the sep, so file for an extension and let us sort it out when we are slightly more sane, rested, etc. Foolish regards,Vicancora imparolearning more than I'd like to this year...
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