@fanfare Thank you so much for your help. This was extremely helpful.
To confirm:
1. I'll only need to amend 2021 & 2022 Tax Returns with a 5329 showing the 6% penalty. I won't need to attach a 2024 1099-R since the withdraw of excess contribution was made long after the 2021 & 2022 tax (and extended) deadline.
2. For 2023's Tax Return, I should have a 5329 Form filled out with the 6% penalty when I enter my excess contributions from previous years (2021 + 2022) that had not yet been taken out by end of 2023. I won't need to attach a 2024 1099-R for the same reasons as above + the 2024 1099-R does not apply to removal of any excess contributions made in 2023.
3. For 2024's Tax Return, I believe the excess contributions from 2023 will roll over to 2024 (as #18 on Part 1V of 5329) but this should be balanced out by the 2024 1099-R I receive. I shouldn't be taxed on the 2024 1099-R distribution and I shouldn't have a 6% penalty.
