A follow-up question. At the end of the year the HSA balance was $0. My wife again has a HDHP for 2022 and I've already deposited $4,650 into the account for this year. Since the HSA balance was $0 at the end of the year and thus no penalty - should I just leave things the way they are or since I have 2022 dollars in the HSA now should I take the excess contribution of $1,150 out before taxes are due?
I still need to get back to you whether I think there is an issue with TT or I just screwed up my answers.
