Peace, You mentioned “normally” contributing for 2 years at a time. If you do that ever year, you’ll end up contributing twice what you are allowed.
I haven’t talked with Rich or his colleagues, but it might be a good idea to sign up for a session with them, after you finish this year’s taxes, as someone else suggested. I would if I were in your shoes. It sounds like you need professional help on your tax, and maybe other, financial planning.
I have a family history of Alzheimers too, and forget too much already, so I know how you feel.