I have a client that wants to fully fund her IRA for this tax year (2022). She is currently 49 but turns 50 in November. Can she make the full $7,000 deposit now or is she limited to the $6,000 now and she must wait until her birthday for the catch-up contribution of $1,000? The way this is worded in Pub 590 is not clear. It just says the limit is $6.000 ($7,000 if age 50 or older). Since she will turn 50 during this contribution year, is that sufficient?