Corrected Excess Contribs. carrying over from 2020 on after it was applied and thought it'll be cleared going forward

(NOTE: Every return was done on TTax Delux at some point)

2019

Took an early retirement at the end of 2019.

Received W-2 -----Did tax return in Feb. 2020---OK – No errors and Fed & State accepted!

*Contributed to a Roth IRA in 2019 (since 2017_auto monthly from bank) $30/m

2020

Started to live on my 401k savings from May (monthly paycheck _ to present) …Did not work the whole pandemic year.

Received 1099R for 401K & a 1099R for a small $ in a Roth 401k (7B code)...

NOTE: That source got depleted as of 2022

Start of my issues:

*Contributed to a Roth IRA the whole 2020 yr

Did tax return in Feb. 2021 and TTax hinted that my IRA contribs. were excess…I was totally not thinking or remembered that NO earned income NO contribs. to an IRA.

Informed the financial institution to do an excess correction- Took them about a month :\(

Meanwhile, I searched and searched for a similar situation (a post with a loss), and most of the search was in TTax Forum and almost if there was anything about excesses being applied to a tax return were ones with a gain or no gain/loss …but the process the experts were offering was to either create a 1099R (for 2021) in the 2020 Return and add a comment (I think on the Form 5329) stating that OR wait till the corrected tax form come in 2022 (for 2021 Tax Yr_Should have gone with this, perhaps would have no issues)_

I created a 1099R and added $285 ($360 - $75(loss) = $285) to

Lline 4a (IRA Distrib.) on 1040 and Line 1 on 1099R (2021)

Line 2a (2021-Taxable amount) = Zero

Box 7 (2021) = P & J  

I also checked off IRA/SEP/SIMPLE  portion of Box 7…..SHOULD NOT HAVE (my ERROR_Found that out recently per TTax Forum search)

Form 5329

Struggled for Form 5329, Part IV, as what to add for Line 18, I added $360 (I think it should have been $285??)

Line 21 (lines 19 + 20) = Zero

Line 22 (Prior yr Excess) = $360

Line 24 (Total Excess) = $360

Line 25 (Add’l Tax) = $22…..System calculation.

Comment (Explanation Stmnt. Line 4a): “I am reporting a 2021 1099-R on my 2020 Tax Return to avoid having to amend it in 2022”

NOTE: I am not sure (can’t recall) how much of this section was done by TTax and me (manually)

Thinking all is ok, eFiled….. OK – No errors and Fed & State accepted!

2021

NOTE_ Since I caught the excess issue in Feb. 2021 I ended up needing to have them correct the 2021 at the same time (for one month, January 2021)_ Stopped the auto contrib in Feb 2021.

Received a 1099R (distrib from 401K_monthly paycheck)

Received a 1099R for a small $ in a Roth 401k (7B code)

Received 1099Rs Excesses 2020 & 2021 (unfortunately I missed/forgot to apply the 2021 corrected 1099R_ 7&8 code, although it was for only $30 (Line 1) and Taxable Amount was $.32 (Line 2a) and Line 4 was $.09 (Fed Withholding) still I would have applied to eliminate as mush headache and do it right!

Since I had the Delux version I was not prompted (or I don’t think I was) that there was add’l tax ($22 (6% rate) again was applied, noticed after filling, but thought it perhaps goes away next filling…fogged memory- not sure what I thought at that time_ Too much were happening last three years with everyone! - needless to say)….Filed….. OK – No errors and Fed & State accepted!

2022

Received a 1099R (distrib from 401K_monthly paycheck) and

Received a 1099R for a small $ in a Roth 401k (7B code)

While I was about to efile, TTTax hinted that I may have add’l tax, this came up due to my initial version being the Free and had to upgrade to Delux after the warning (was hoping one year I could use the Free version, but…)….Then I went to efile and thought let me go thru the long version of the forms (printed and saved it as well- all 3 years were saved to my laptop) where I noticed the Sec IV in Form 5329 was repeated almost exactly as ’20 & ‘21 TxYrs)…..eFiled…. OK – No errors and Fed & State

I filed it, since the issue was from prior year(s) and desperately needed the refund.

_Am I to amend all three years (and do the 2020 without the manually created 1099R- And just apply the two corrected 1099Rs (2020 & 2021) on 2021 Return and subsequently do the 2022 and hope the corrected excesses are cleared?

Or

_Is there a way to do this with less headache and salvage most of it?

I am sorry for this being too long, but I am not sure how much would have been enough for an expert to assist me. Please kindly hep in this matter and let me know if I have to add/provide more info.

I appreciate it.

Micheal_