@Opus 17 @dmertz
Thanks for both your inputs.
For 2019, when I talked to the Schwab consultant yesterday, they said that I would still fill out their forms to remove the excess in 2019. Like I mentioned, the 2019 contribution was $6K, but has appreciated since they've been in stocks. Supposedly, if I go their route, Schwab will be determining what the 2019 $6K amounted to, then will move it to my regular brokerage account.
Does that make sense? Or do I need to question the consultant as well since Schwab might not have it together lol. I don't think I can just take $6K out of my Roth. I don't think its apples to apples like that since I already invested it in stocks. Again, appreciate your inputs. I'll have more time to review this weekend.
