@DanaB27
Thank you for the clarification. For the avoidance of doubt, I just want to ask regarding this other thread I found (among others), in which you advised another user that they can wait to get the 1099-R the following year, and then amend the prior year's return:
https://ttlc.intuit.com/community/taxes/discussion/excess-contributions-on-roth-ira/00/2521357
Was your advice in that thread solely because they had earnings on the excess contribution and therefore needed to pay taxes in the year of the contribution? Is my situation different because I didn't have earnings, and that's why I don't need to amend my 2022 return? Thank you.
