Thank you Mike. Your answer was cut off at the most crucial point. would you mind completing it (please)?
You are right that the mistake was on form 8889 of last year. Line 3 there had the $7100 amount implying that I used Last Month Rule. My thought is to amend my 2020 tax to correct form 8889.
In the meantime, I just file my 2021 tax without the additional income and penalty. Hope that works.
Thanks again. Appreciate your expertise.
