I'd over-contributed to my Roth IRA in 2017 and paid the 6% excise tax when I filed my 2017 and 2018 taxes. Looking back, I should've corrected this earlier. What are my options now? I haven't filed my 2019 taxes yet.
1. Can I still recharacterize the contribution as a Traditional IRA contribution for 2017?
2. If not, my understanding is that I can withdraw the excess contribution but leave the earnings in the account. In this case, what would I report in my 2019 taxes?
