@DavidS127 I am hoping you can help me. In 2018 I made a contribution of $500 to my Roth IRA. I was phased out that year and should have not made any contributions. I just recently caught this. I filled withdrawal paperwork with Charles Schwab to remove the $500. The amount removed was $395 as the investments lost value. Is this correct or do I need to remove an additional $105? How do I handle my 2018,19,20, and 21 taxes returns? I have not submitted my 2021 tax return yet. Thanks.
