That's a big relief, @dmertz!
1) Just so I am understanding this correctly, you are suggesting NOT removing earnings till date from the excess roth contributions (which is 5900 total) from 2014-2018?
2) This way I don't have to report those earnings as income and pay additional taxes on them for those past years (2014-2018) in which the contributions were made + pay 10% early withdrawal fine on those earnings?
3) Just take out 5900 contribution, pay 6% penalty till date for it through form 5329 and be done with this. Next year, when I get 1099R, report as 0 taxable earnings from it?
