Thanks for your help. I read the publications you included.
So of the two top options for the excess $250 for each of our Roths, would you recommend recharacterization of the excess or withdrawing? I am leaning to recharacterization.
I still do not understand why Turbo Tax did not catch this last year when our AGI was higher than this year? I rechecked my entries for the 2019 tax year, and I had typed in the $7000 we each donated, and our AGI was $210,897. There was no message saying we had any excess contributions.
