Roth IRA Question

You have until filing day to add to last year.

yes

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So tax day April 18, 2023, correct?

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Yes.

Did you go over the income limit for the year as anticipated? If not, leave as-is.

If you did go over the limit, you have essentially 3 options:
1. Withdraw the money plus any earnings, pay income tax + 10% penalty on the earnings only (principal withdrawal is tax+penalty free, and chances are you probably had losses anyway from April-Dec 2022 unless you were in oil stocks)
2. Call your brokerage to *recharacterize* the contributions from Roth to traditional IRA contributions. This will require a call to your brokerage. Recharacterize is the key word, don’t say any other buzz words like “roll over” or “convert.” Whether or not you can deduct these contributions come tax-time will depend on whether or not you are participating in an employer sponsored retirement plan (and some other criteria which you can look up online).
3. Do recharacterize steps in #2, then once funds have settled in Trad IRA account, you can *convert* them to Roth IRA. This is a backdoor Roth that you’ve prob heard about, which isn’t subject to the income limits like a Trad IRA. Warning: this will make form 8606 a pain in the arse come tax-prep time and your CPA might hate your.

If your income will stay the same or go up in the future, educate yourself on the backdoor Roth IRA and start utilizing it, so that you can still get money in a Roth IRA without worrying about the income limits.

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I also called the guy thats been doing my taxes for the last 10 years, and he told me to just leave it alone because he's never seen anyone ever get in trouble for that before

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Def don’t do this. Unless he’s planning to lie on your tax return, which is a separate issue altogether. And no, you don’t “get in trouble” for it, but you do owe a 6% excise tax every year on that money until the issue is resolved.