I just want to make sure I have this right. If I accidentally over contributed to my Roth IRA for 2020, I need to take out the 2020 & 2021 contributions and any gains made in 2020 and 2021? Wouldn't that end up wiping out any 2020-2021 gains made on the money that had been contributed before 2020? If I withdraw it before the tax filing deadline, do I report any of this on the 2020 tax return? Or are all the gains that I've taken out for 2020 & 2021 just reported next year on my 2021 tax return?
