Thank you for the response! Yes, I think just paying the 6% for 2021's excess would end up being lower overall, and maybe less hassle if I don't need to move stuff around. And yes, I am under 65.
So it's okay to remove my 2023 contributions as an excess withdrawal (and basically just get a check) and then move (not rollover, thank you for clarifying that) the first 6 months of 2022 into 2023? I did file my 2022 taxes so I believe I'm still in the automatic extension window until Oct 16, 2023.
