Q: I meant to convert some money to a Roth IRA last year, but I didn’t make the Dec. 31, 2019, deadline. Can I still make a Roth IRA contribution that counts toward the last tax year?

A: Yes, you still have some time to do so, assuming your income qualifies you to make Roth contributions for the previous tax year. You can contribute to a Roth IRA for the previous tax year as late as the April 15 filing deadline. If you were 50 or older in 2019, you can stash up to $7,000 in a Roth.

That extended deadline for Roth contributions comes in handy if your previous year’s income was on the cusp of surpassing the income thresholds. Single filers with modified adjusted gross income below $122,000 and joint filers with MAGI below $193,000 can contribute the maximum amount to a Roth IRA for 2019. Go to IRS.gov for the full income phase-out ranges for Roth contributions.

You might consider making 2020 Roth contributions while you're at it. The income limits have risen slightly in 2020, and the maximum contribution amount remains the same.

Q: I’ve heard I will need a Real ID driver’s license next year to clear airport security. What is that? And what if I don’t get one by the time of my trip?

A: Beginning in October, many travelers will need what’s known as a Real ID-compliant license to fly domestically. After the Sept. 11, 2001, terrorist attacks, Congress passed legislation designed to create universal standards for driver’s licenses and other sources of identification.

But with the deadline less than a year away, the U.S. Travel Association estimates that 99 million Americans lack a Real ID-compliant driver’s license or other acceptable identification.

State legislatures have passed laws to bring their DMVs up to speed on the new standards, but the process hasn’t always gone smoothly. Millions of Californians who thought their licenses were compliant have been told to provide more information to prove residency.

If you don’t already have a Real ID, the Transportation Safety Administration recommends going to the DMV early in the year to avoid long lines. If you don’t get a Real ID by the deadline, a valid passport will get you through security checkpoints.

FedEx and RushMyPassport, a company specializing in expedited passports, recently announced a partnership to streamline the application process. You’ll have to pay the government fee of $145, plus additional costs that vary based on how quickly you need your passport.

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