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That is great info. 

 

So one thing I need to do still is withdraw the remaining contributions I made in 2024 that I haven't already withdrawn since all contribution in 2024 are considered excess. How/when do I report that. Do I have to wait until next year for a 1099 SA or can I amend my 2024 return and manually report the extra withdrawal I will make.  Thank you so much for all this help.