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@IRonMaN wrote:

your payment is going to be delayed.

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Oh good.  That gives me time to efile a simple return so I can have my deceased spouse's portion deposited into my back-door Roth IRA where I can gift it to my kids and they can use it to pay their child care expenses.

My barber told me that his neighbor's brother-in-law's bartender said we could do this even though I have no deceased spouse, no back-door Roth and no kids.  It's a huge loophole.  What form do I file for this?