Some clarification questions on your answer.... First assuming that I don't over contribute for 2019, do I still owe a 6% excise tax on anything? If so, is it better to withdraw the excess 2018 funds now to avoid the excise tax and then make the 2019 contribution as a totally separate transaction? Finally if I do decide to use the 2018 towards my 2019 contribution allowance, how do I tell TurboTax this? I don't see an option for this on TurboTax. I am on the screen that determined that I have an excess and it is asking me to choose from 3 options... withdraw all the funds to avoid the tax. Withdraw some of the funds. Don't withdraw funds and pay the excise tax.
