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Thanks. I am still trying to figure out what AJ said.

First paragraph she said I can't.
Next paragraph she said I can. Trying to figure that out.

You seem to be confused about contributions vs. conversions.

A contribution is money from your compensation that is added to an IRA - in 2020, the limit is $6k ($7k if 50 or older). Depending on the type of IRA, you may need to meet income requirements to deduct the contribution to even be able to make the contribution.

Conversions are taking money from a Traditional (pre-tax) qualified account and moving it to a Roth account. The Traditional account can be a 401(k), a 403(b), a 457, a Traditional IRA, etc. The Roth account can be an IRA, a 401(k), a 403(b), or any other type of plan that offers a Roth account.

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