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Here's a question for you tax experts out there.

When doing my taxes for 2009 I found that I had hit the income limit where my Roth contribution is getting phased out. So there was an over-contribution of about $2000. I understand that one of my options is to pull this extra contribution out along with the gains made, to avoid paying the 6% penalty on the contribution.

However, the gains on this had been very good this year (thanks HG!) so rather than pull it and the gains out or recharacterize them to Traditional IRA, I'm choosing to just pay the 6% penalty on the over-contribution, and I understand that I can count the $2000 overpayment towards my 2010 IRA contributions.

Since that $2000 of my 2009 contributions will now be assigned to 2010, that means I only contributed around $3000 total to my IRA accounts for 2009.

Now, my question is this then: Can I make an additional $2000 conribution for 2009 to my *traditional* IRA before April 15th? I realize this won't be tax deductible, but it will at least still get the advantage of tax free growth.

Thanks in advance for any information.

--Pete
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