Retirement tax questions

To add further:    You said " I now want to withdraw my contributions in full." so if the excess is still in the account then as @dmertz said, it is too late to get a return of contributions or to avoid the 2019 6% excess contribution penalty that must be reported and paid on a 2019 5329 form.

 

The excess must still be removed before Dec. 31, 2020 or ANOTHER 2020 6% (form 5329) penalty will apply.    To remove the excess, it can only be done now as a normal distribution (not a return of contribution) and because the 6% penalty applied, ONLY the excess need be removed - any earnings can remain in the account and need not be removed.

**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.**