@Opus 17 thanks for the reply.
I just got off the phone with Schwab (after being on hold for two hours) to get another point of view. They mentioned I had a potential option to transfer the entire 18K + appreciating for CY2019-2021 into a traditional IRA, via non-taxable rollover. Not sure if anyone has experience with this.
I definitely know I need to amend my Tax for 2019 and 2020. Does TurboTax give me the option to amend for 2019? Or do I need to go through a different route.
Again, this was another point of view. The Schwab rep did misspeak a lot, so I may need to call another rep to confirm later and maybe talk with a financial consultant at Schwab to ensure what they're saying is true...
