Thank you, DeltaOne, for laying out the options.Since posting I've been going through pub 590 and, unless I'm missing one of the finer details in this document, I am coming to the same conclusion. That is that I should be able to recharacterize it as a traditional IRA contribution (but it is non deductible).Last year I fell in to the window where I could contribute a fraction of the allowed roth contribution and I ended up recharacterizing the remainder as Traditional IRA money. I didn't see why this instance was any different from last year.
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