We contributed to our 2019 Roth IRA's in Feb. 2019 - filed taxes in Feb. 2020 for 2019 Taxes and found out we were over the AGI to contribute. By then we had already contributed to our 2020 Roth accts in Feb 2020. Money was removed from the accounts in March of 2020 for both years. I now received 1099-R for both years, however, when the money was removed, the market had dropped from COVID and it is less than what we put in. Do I need to file an amended return for 2019 or just treat the 1099-R's as withdrawals from our Roth accounts since we are both over 60. I am very confused as how to handle this.
