Ok thanks. Are you saying that if I go ahead and file today then I will have to file an amended return? How would it be different since I would indicate the amount of removed excess from today's filing?
Edit:
"You might want to file the extensions if you plan to avoid amending the 2023 return. You will need to know how much earnings were returned with the excess contribution if you want to enter the 2024 Form 1099-R on your 2023 return."
Wouldn't the 1099-R be required? I'm interpreting that you mean it's optional. I will likely not have earned anything from the excess contribution by the time the removal is complete, because as of today I have lost money on the investments.
