Doing my taxes and realizing I screwed myself by starting a Roth IRA in 2024. Apparently my wife and I's combined income is now over the limit since she got a new job last year (about $240K combined after pre-tax deductions). I contributed $3,500, which is now well under $3,000 value with the current market, so I cannot withdraw my contribution as excess. Turbo Tax is telling me to convert it to a Traditional IRA. Tried talking to Chat GPT about this, but I kept catching it giving me wrong info. What is my best avenue here?