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Ok, so 2004 is quickly approaching, and I have a question about next year's Roth IRA Contribution.

I'm going to be very close to the beginning AGI phaseout of 95k. I <know> that I should wait to contribute to the IRA until after the calendar year, so that I know my final AGI, and therefore how much I'm allowed to contribute.

It's very difficult to wait when I've conditioned myself to get it done and over with, lest I don't have the funds later.

So say I do contribute the maximum, and then my AGI ends up a little too high. What would I expect to happen? Is there any good link to a site or article which discusses accidental overpayment? I know that brokers track how much is contributed per calendar year, but can they know how to deal with this?

And of course the big question: should I wait? Or can I proceed as normal?

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