I am in the same boat as bareli as extra payout made me not eligible to contribute to my ROTH IRA but both my wife and I have contributed $7000 each at the beginning of the year. I also contributed $7,000 for 2021. Now I need to remove $21,000 from our accounts. I am trying to contact Charles Schwab to initiate withdrawal. What other steps should I do now? Please advise.
