I'm in the Roth IRA excess contribution boat for 2019. The excess and earnings have been returned in 2020 (prior to filing 2019). I've followed all the instructions in this "thread" and did a substitute 2020 1099-R. However, my form 5329 is still penalizing me the 6%. I can't figure out where form 5329, line 20 ("2019 distributions from your Roth IRAs"), pulls from (mine says 0, triggering the 6% penalty). Any help would be appreciated.
