I didn't realize Roth IRA contributions had to be from unearned income (dumb!), which I no longer have since I'm retired. On 01/02/2018 I made a contribution for the 2017 tax years. I did the same on 01/17/2019 for the 2018 tax year and on 12/17/2019 for the 2019 tax years. Last week I withdrew the amount of the contributions but not the estimated investment income from them.
I know I have pay a penalty as well as taxes on the earnings but can't figure out how to do that for prior years.
1. I know I'm OK with the last contribution since I pulled it out prior to the 2019 filing deadline.
2. Would I also be OK (no taxes or penalty) on the 01/17/2019 contribution (even though it was for 2018) because it was made in 2019?
3. Can I take care of whatever I have to pay with one Form 5329 that I file for my 2019 taxes or do I hav to go back and file an amended return for prior years?
