In my case it's a SEP-IRA, which makes it significantly more complex. But the other factor is that for cashflow reasons I'd have to sell assets to make the cont

In my case it's a SEP-IRA, which makes it significantly more complex. But the other factor is that for cashflow reasons I'd have to sell assets to make the contribution and take the capital gains tax (or maybe a loss... ugh) on that sale, which can't be reversed later. As to whether this makes financial sense, it depends on if I have an underpayment penalty, which I'd have to finish my taxes to figure out... So yeah, it's complicated. For reasons.