Married Filing Seperate, how to handle excess Roth IRA contributions?

Married Filing Seperate, how to handle excess Roth IRA contributions? My spouse and I tied the knot in April, and we've decided to file our taxes as "married filing separately" for a specific reason. My wife has a significant amount of student loan debt, totaling over $130,000, and she's enrolled in an income-driven repayment plan. Our goal is to keep her monthly payments as low as possible, given her financial si...

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