Real ChatGPT answer · index seedf8kx7drERfwcompleteFinance and banking · investing and brokeragesinformational
What happens if I accidentally overcontribute to my Roth IRA while working a side hustle, and what is the exact penalty I will face if I do not withdraw the excess funds?
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The searches the AI actually ran for this prompt.
SEED QUERY
What happens if I accidentally overcontribute to my Roth IRA while working a side hustle, and what is the exact penalty I will face if I do not withdraw the excess funds?
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
IRS Roth IRA excess contributions 6% excise tax Form 5329 2026 contribution limits compensation self employment income Google ↗
IRS 2026 Roth IRA contribution limits income phase out 2026 Google ↗
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
- Instructions for Form 5329 (2025) · irs.gov
- 26 U.S.C. § 4973: Tax on excess contributions to certain tax-favored accounts and annuities · uscode.house.gov
- Publication 17 (2025), Your Federal Income Tax · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS Roth IRA excess contributions 6% excise tax Form 5329 2026 contribution limits compensation self employment income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS 2026 Roth IRA contribution limits income phase out 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |