@fe7565 wrote:
And maybe I can make that $200 overpayment adjustment after I reached 59 1/2 when/if I make a withdrawal.
No. You cannot withdraw the earnings. Any distribution will be taxable income.
The only way to get the credit for the $200 is to amend 2019 and remove the $200. (If you are in the 24% tax bracket that would be a refund of about $48. - probably not worth amending for.)
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
