Thank you for the explanation Champ.
To clarify, I'm of age so no 10% penalty and I have one IRA account.
According to form 8606 instructions, I may have an opportunity to get back the non deductible contribution? How do I interpret the instructions? Have I completely missed my chance as you mentioned before? If there is still a chance, how do I file an amendment Federal/State (OR)?
Return of IRA Contributions
If you timely filed your 2021 tax return
without withdrawing a contribution that
you made in 2021, you can still have the
contribution returned to you within 6
months of the due date of your 2021 tax
return, excluding extensions. If you do,
file an amended return for your 2021 tax
year with “Filed pursuant to section
301.9100-2” written at the top. Report
any related earnings on the amended
return and include an explanation of the
withdrawn contribution.
