so that I'm well within my Roth IRA contribution limit."
OK the $647 goes on your 2020 tax return (the year for which you made the contribution), raising your MAGI, so you need a withdrawal cushion to compensate.
That's all you have to do for you 2020 Tax return.
You have a penalty of 6% of <disallowed part> on your 2021 tax return because you left the excess of <disallowed part> remaining through the year.
you have a resolution of the excess on your 2022 tax return by way of a completed distribution request of $1,500. assuming your cushion was adequate.
@pidgessn
