I see, yes this terminology is very confusing.
Ok, so I've withdrawn the short-term excess for this year already. For the long-term excess, I withdrew that by the extended filing deadline in my amended taxes for 2022, so I dealt with it when it was short-term? I thought since I then redeposited into my HSA as a contribution for the next year (2023), it wouldn't incur the 20% penalty.
My amended 2022 taxes show $3650 on Schedule 1, line 8f.
