Retirement tax questions

That is up to you.  You can have the IRA custodian recharacterize the contribution plus earnings  to a Traditional IRA that is treate as if the contribution was to a Traditional IRA and not a Roth or ask the custodian for a "Return of Contribution plus earnings"  that returns the mony to you.

 

Either one will be reported (differently) on a 2021 1099-R next year.

**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.**