Retirement tax questions

@AT25 

I believe that if you filed using TurboTax online for 2019, the online program now includes an option to file an amended return. It used to be that you had to download a special amending version of the software to install on your own computer.  https://ttlc.intuit.com/community/amending/help/how-do-i-amend-my-turbotax-online-return/00/27577

I don’t believe that doing a straight rollover cures the excess contribution problem. At a minimum, you would have to file an amended return for 2019 that reports the excess contribution and pays a 6% penalty. You would also have to file an amended 2020 return and pay 6% penalty on the cumulative excess contributions.  I don’t know what happens to your 2021 excess contributions if you have rolled over the money into a traditional IRA but I imagine there must be some penalty.  The purpose of doing the 2020 recharacterization is to get the money into an IRA without paying the 6% penalty.