If you didn't have any positive earnings on the 2023 contribution, there are no earnings to remove,
the custodian should calculate the earnings, but you can do it also if you know how.
if you A) filed by Tax Day, OR B) timely requested an extension, then you removed the 2023 contribution on time (Oct 15), but possibly not the earnings.
If you has a loss and got back e.g. 6400, you still resolved the excess of $6,500 and your 2023 Form 5329 should show this.
If you amended 2023 showing a penalty, and satisfy the above conditions, you need to amend again to correct this.
If the removals deplete your Roth IRA to zero, your penalties will be reduced.
@tomekj
