Thank you so much for the quick reply.
The answer to your last questions is Yes I have Medicare coverage effective December 1 2023, so I will have to file an amended 2023.
If I'm understanding this, I can't withdraw the excess contribution (and interest earnings) for 2023, they will be considered a carryover from 2023 on to my 2024 return, is that correct. I have received my refund already for 2024 so I'm able to amend that now.
However I also will have excess contribution in 2024 that I have not withdraw yet. I withdrew the contributions from July - Aug 2024, but my contributions from Jan - June 2024 were also not allowed, how do I handle that?
