Best approach for me was to withdraw enough of an excess contribution amount to offset that 6%. Then in the 1099-R put the excess contribution amount+the earnings in Box 1 and then declare those earnings in Box 2a.
Then, put in J and P in Box 7. It's not optimal and I probably overpaid taxes by $10 to $50, but at least that 6% cycle ends. Doing it this way, I see the 5329 worksheet in TTax, and a 10% penalty on the earnings since I was 58 when I made the excess contribution in Jan 2020.
