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Hi @BillM223 ,

 

That makes sense on the catch-up, that it will be a penalty for when I do the 2021 taxes next year. 

 

When I do the 2021 taxes next year, once I get the bad news and the software adds the excess as Other Income that I will pay the 10% penalty on, is that the final step (and I will not need to do any excess withdrawing from the HSA account at that time)?

 

Thanks for your help with all of my questions!