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I made a Roth IRA contribution at the start of the year for $2000. However, because I am doing well at work I'm going to make more this year than I expected. I think I may go above $95K (I'm single) even with contributing $10,000 to my 401K. So...

I know I will have to change this contribution to a normal IRA contribution. But, I read I will also have to move the earnings to the regular IRA.

1. How do I calculate the amt of earnings to tranfer?
2. Is it based on the transfer date?
3. What about if I have losses since I added the Roth contribution?

I want to try to plan ahead to reduce the chance of any penalties.
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