Yes, some of the amount in the box with W was in excess, but my point was that if I am already paying taxes on it, why shouldn't I just withdraw it vs carry it over into the new tax year?
I am in the same boat this year too and debating if I should carry over my excess HSA to the new tax year 2021 or just withdraw and pocket it. Either way it seems like I am being taxed on it (just no penalty it seems?)
