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However, don't I still HAVE to move out that 2000 Roth which will leave no 2000 contributions

No. That misconception is what got you into the mess that you're in.

I'm going to put this as gently as I know how. I'm not the one who messed things up, and I haven't the time, patience, or energy to be second guessed. Take my advice or don't, but I'm done explaining until I have something new to tell you. Most everything I'll tell you can be confirmed in Publication 590.

I'll repeat. Go see if you can get the contribution you made yesterday treated as a year 2001 contribution. The success or failure of that determines what your options are with respect to the Roth.

Phil Marti
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