I changed jobs in 2020, so I contributed to both a 401k plan and then a TSP plan. I didn't hit the $19,500 limit for either plan individually, but my combined contributions to the two are significantly over that limit. I had already filed my 2020 tax returns (in 2021) before realizing.
First, how do I go about reporting this on my federal and state returns? (My jobs were in different states so I filed a federal and two state returns.) Do I need to amend all 3, or can I wait until I file my 2021 taxes to report it (on all 3)?
Second, and relatedly, what do I do about the actual over-contributions? I haven't yet spoken to my 401k holder, but the TSP plan said that I didn't technically over-contribute to them. Does it matter from which plan I withdraw the excess?
Thanks!
