Thanks so much for the patience, and you're very right - I am definitely getting confused by how I am supposed to treat the two separate accounts.
I can certainly do a distribution of the new excess ($130) for myself now. Should I file it with my custodian as as a withdrawal of excess or not? (I'm not sure what "straight distribution" means)
As for her, I just want to be sure that the withdrawal made in 2024 of the excess contribution (made in 2023) is properly accounted for in the 2024 filing, and that it doesn't create issues down the line with my 2024 and future contributions.
Did I get that right?
