Hello,
@dmertz (or anyone who can provide clear and concise answers)
I opened a Roth IRA account in Jan 2021 (this year) and made contributions for 2020 and 2021. I discovered this month- Feb 2021- that the entire amount of both the 2020 and 2021 contributions was over the limit. In other words, I should not have contributed anything in either 2020 or 2021. I have not yet filed my 2020 taxes. I have earned interest on both the 2020 and 2021 contributions. I have not received a 1099-R and I'm not sure I will (I have requested one but have not heard back). Could someone let me know step by step what I need to do on turbo tax? Let's assume I do not receive the necessary 1099-R and will need to complete a substitute 1099-R.
