I would gather he should have a pretty good idea if he is eligible for 2012, as the year has concluded. Perhaps but every year there seem to be posts asking about how to undo things. Personally, I get the tax return done before I contribute to anything and I realize that most people's situations are more stable than mine.I also fully fill the last year I can(2012) before contributing anything for the current year (2013), including any monthly contributions that can be made before I file my taxes.
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