Ahhh, ok that explains it. This totally makes sense now! Thank you 🙂
I do have an additional question. I already did the excess contribution withdrawal for 2023 since I knew exactly how much it would be. When I did that withdrawal I had to specify to my HSA provider the date range for the contributions I wanted to remove. Thinking that my 2022 contribution returned/applied to 2023 was sort of still 2022 dollars I didn't think I could then remove them for the 2023 overcontribution, so I specified to return the money I contributed through my employer in 2023 + earnings. Given that, is still ok to treat the removal as the personal portion? I'm thinking I made this situation a lot more complicated...
