What??!!!

Oh holy hell. I received paperwork from T. Rowe Price regarding my new mutual fund and under seperate cover a tax form 5498.

Evidently the Mid-Cap Mutual Fund that I have that I thought was a Roth IRA isn't it's a traditional.

I just got off the phone with a very nice service rep and from what I understand, I opened it as a Roth but in 2004, I transfered shares to open the Blue Chip Roth IRA and when I did that it closed the Mid-Cap as a Roth but still was open as a traditional. Hmmm. I'm sure I didn't know that was what I was doing. It still doesn't make sense to me.

I'm not sure how I didn't notice on any other statement prior to this but now I'm not sure what to do.

The Mid-Cap Growth is closed to new investors so I can't just open up a new Roth so at a minimum I'll either have to just continue with only the Blue Chip Growth or choose another open fund that is similar to what the Mid-Cap Growth was.

I need to decide what to do with the funds in the traditional. Either convert them to a Roth or leave it. My taxes for the past years are incorrect. Luckily is isn't a huge amount of money but I get more upset thinking about what if I hadn't caught it at all. Of course I did but that not the point.

I need an accountant this is too much for me to think about or have time to figure out.

Also my beneficiaries were outdated so had I died, some people would have been surprised with a little extra money not meant for them.

On a good note, I was able to change the date that the automatic investment to my new account happens so I won't miss a May investment. And this will teach me to be even more diligent in reading my statements.

$2.70 Dairy Queen