One final thing - you said I should request a regular distribution without earnings since I am past the due date of the 2024 return.
Is a requesting a regular distribution different from requesting a withdrawal/distribution of excess contributions? For example, on eTrade you can request a withdrawal from a Roth IRA as a "premature" withdrawal or a "excess contribution removal" withdrawal - based on that, would I choose the "premature" rather than "excess contribution removal", as you stated I am outside the 2024 due date., or should I choose the excess removal option? Further to that, if I do the regular/premature distribution, how will the IRS know I no longer am in excess of my 2024 contributions? Or do my lifetime contributions just net out in the aggregate given I have lowered my total contribution amount? Just want to make sure I request the right type and correctly wipe out any "excess" for 2024
I really appreciate the help and responses here, thank you!!
