Deductions & credits

@TheGuttes . i believe you have the option to withdraw the excess from either the traditional IRA or Roth 401(k) 

 

This comes down to in part what's best from a tax standpoint and part a personal decision. 

 

taking it out of the traditional will increase your taxable income for the year contributed by the amount removed and if taken out after the due date is taxed twice. first in the year contributed because it's not allowed and 2nd in the year withdrawn as a distribution 

see this about removal of ROTH contributions if account has not been in existence for 5 years

https://www.irs.gov/retirement-plans/retirement-plans-faqs-on-designated-roth-accounts#Distributions 

 

what's best is unknown. you need to sit down with a tax pro to analyze your situation.