". I am trying to determine what is the right path."
It depends on whether the custodian returned to you more than you contributed.
The returned contribution is your money and not taxed.
anything over that is a withdrawal and is taxable on the return for the year of the contribution.
in that case, Form 5329 is required.
when you know the amount, you can include it on 1040 Line 4b.
there is a penalty if you are under age 59 1/2 for taking an early withdrawal.
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