@dmertz thanks for the quick reply.
I'll probably go with option 1 as that is the clean cut option. So what are my next steps?
1) Amend 2019 return and indicate I contributed to roth IRA and have excess contribution?
2) Presumably this then will automatically trigger form 5329 to pay the 6%.
Make payment and mail the 2019 return. Will there be extra penalty or interest owed on that amount? Does turbotax calculate that? When mailing the amended return what should I attach, if any, as additional support, or is there no need? I'd imagine I need to include a statement describing the entire situation?
In 2020 return, there will be carry over of the excess from 2019 and that it was withdrawn?
thanks
