Thank you for getting back. Appreciate the prompt response. It would have made sense if I would have actually withdrawn it.
I was given an option - reading through posts on TT community and chose to carry it over to this tax year 2020. So if I have already paid tax on it, was I better of just actually withdrawing so I could have paid pre-tax contributions again this year in 2020? Due to the excess rolling over, I could not make an contributions this year.
I'd like to understand this better for the future. Hard to do anything this late in the year now I guess :(
