Thank you Opus 17 for detailed answers.
For #2, I stated two situations: I have contributions in 2023 for 2023, but withdrawal done in 2024. My husband's excess contribution for 2023 is done in 2024 and withdrawal of the excess is also done later in 2024. Do we need to complete a substitute 1099R for my husband in 2023 tax return, too?
Based on IRS publication reading, it seems his earnings should be filed in 2023, but I read some other discussions on the Intuit site that his earnings should be reported in 2023. Would love some clarification here.
