Can you clarify what you mean by:
As long as you filed your 2021 tax return or requested a filing extension by April 18, 2022, you had until October 16, 2022 to obtain the return of excess contribution to avoid a penalty on your 2022 tax return.
I did file my 2021 tax return by April 18, 2022. I did not file an extension. Do I owe the penalty?
Thank you.
