@dmertz So, what would you recommend in our situation? I was thinking to return all those 2023 excess contributions for those three months to the custodian, I'm pretty sure this is still possible. It would show that she contributed for all 2023 within the allowable limit and first four months of 2024, which would be excess contributions (she already received the check). Then wait for 2024 1099sa form showing those January-March 2024 contributions as excess contributions. She already stopped contributing in April and her 2024 contributions are zero right now. Thanks,
