Retirement tax questions

And BTW:   If you have at least $5,000 of taxable compensation in 2020 that would allow a 2020 Roth contribution, then you can just apply the 2019 excess as a 2020 contribution and not remove it at all.

**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**