Thank you for the reply. But this incurs a ~$230 penalty that I would prefer to avoid. Since I contributed the money in March 2021, if I have it reclassified as 2021 contribution and file a corrected 1040, I presume I would not have the penalty. Although paying is easier, I prefer to avoid paying tax or penalty that I could avoid. Any advice if my plan is correct, or if I missing some rule?
Dans4
