Real ChatGPT answer · index seed6wAeD1yuKywcompleteFinance and banking · retirement accountscommercial
What is the step-by-step process to fix an over-contribution to my Roth IRA without getting hit by heavy IRS penalties as a broke student?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the step-by-step process to fix an over-contribution to my Roth IRA without getting hit by heavy IRS penalties as a broke student?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
site:irs.gov Roth IRA excess contributions 6% excise tax remove excess contribution deadline 2025 2026 Google ↗
site:irs.gov Publication 590-A 2025 Roth IRA excess contributions recharacterize carry forward Google ↗
- Publication 590-A · irs.gov
- Retirement topics - IRA contribution limits · irs.gov
- Form 5329 · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
site:irs.gov Roth IRA excess contributions 6% excise tax remove excess contribution deadline 2025 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
site:irs.gov Publication 590-A 2025 Roth IRA excess contributions recharacterize carry forward OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |