Sorry but the 2019 excess that carried to 2020 because it was not removed, HAD to be removed prior to Dec 31, 2020 to avoid another 2020 6% penalty. (The Apr 15 due date only applies to new 2020 contributions, not to carry-over prior year contributions that were not timely removed). You will owe a 6% 2020 penalty on that excess.
**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.**
