But, since the distribution amount spans two calendar years, 2020 and 2021 - $6000 excess contribution in each year, should I just split it in half and report half the distribution/earnings on my 2020 return and then the other half on my 2021 return? Then what do I do when I get the actual 1099R in 2022? Do I basically ignore the amounts on there as I am entering it on my 2021 tax return and only report half since I am reporting the other half now?
Why did I get two different answers from Turbo Tax representatives? One told me I didn't need to complete a substitute 1099R now and another representative did.
Thank you
