Hi - I haven't seen this on the board recently, so I thought I'd ask it here.... I'm single, and opened up a Roth IRA, and I'm planning to put $4000 into it ($2000 for '98 & $2000 for '99) about Jan 2nd. I know for a fact I'm making below the threshold for this year, but what happens if I contribute $2000 on Jan 2nd next year and I end up making more than the threshold? What are the penalties? Do I have to give any made (lost?) money back? Thanks for your help....Nick
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