@fanfare @MichaelG81 Thanks again for your inputs that 5 year rule does not apply as this is Roth IRA .
I will go ahead and take out the excess Roth contributions. I suppose I can request custodian for 0% withholding.
In any case in this case there are no earnings in this period due to market downturn.
As required I have already paid the 2021 and will pay the 2022 6% penalty.
I blame it on the employer who sent me the 2021 W2C so late in 2022 causing this excess !
