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Off Topic : 1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement? Tata Consultancy Infosys Mindtree IBM Wipro Capgemini Cognizant HCL Technologies
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Here we go again.

Thoughts on Jumia stock?
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Just contribute after you file your taxes
If you’re in the phase out for Roth range do it as a backdoor.
Also write your senator to keep this from being forbidden with future laws
same thing happened to me this year; i'm waiting until I get my W2s to add everything up and determine if/how much I can contribute since you can contribute (or rescind) for the prior year after the calendar year ends
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Can this be corrected during filing?