@tu9
I forgot.
Having missed the deadline for 2019 excess removal, there is a loophole.
You don't have to remove the earnings and they can continue to grow tax-free in the Roth.
You will pay 6% penalty for each year you leave excess contribution.
If you are eligible now for Roth contribution, you can use that amount to offset the excess and resolve the issue.
I don't have the details right now for how to properly proceed with this (leaving the earnings in) since if you inform the custodian they will compute the earnings and remove them.
