Hi! I've done a bit of research on this topic but haven't been able to find an exact answer to my question. I contributed the max ($6500) to my Roth IRA in early 2023 and didn't realize until I got my W2 for 2023 that my income was too high to be able to contribute. I already removed the excess contribution in Feb 2024. I did have a bit of a gain on my 2023 contribution that was taken out as well. I know I won't get my 1099-R form until 2025 but was reading through the options presented to others and decided to try and report it now to avoid having to amend my tax return in the future. I followed the steps to create my own Form 1099-R as given in previous answers however the part I'm getting stuck on is that it asks me if I need to file a substitute 1099-R form. Is that the case since I don't physically have the form in front of me? When I click this box it wants me to explain in detail different things so was hoping to avoid all that if possible but also wanted to be accurate when filing. Thanks in advance for the help!
