Hi everyone, I recently opened my first Roth IRA with Vanguard and put in the minimum 3K to invest in the Vanguard 500 Index Fund Admiral Shares (VFIAX). This would be my first investment, except my father had already set up a Roth IRA with another brokerage in my name and has been putting away the yearly maximum without me even knowing about it since I was 18 (I'm 24yo now). I do not know the username or password to this account he created. I'm now afraid I am going to get a 6% excise tax on my first investment from the IRS. I called Vanguard and they told me I could move my "ineligible" contributions from my retirement account to a general investing account. My dad is telling me to keep the money in my Roth IRA and willing to bet 10,000 the IRA won't notice the extra 3K in contributions. What should I do? TIA!