Regarding the return of contribution: Would she need to contact the bank to do that or just do the withdrawal herself like a normal withdrawal?
Would she still file form 8606 for 2020 indicating the non deductible contribution?
Why does she need to amend the 2020 return? If its non deductible nothing is changing. Wouldn't she just report the Return on her 2021 return next year?
There is no earnings in the IRA as its in a money market type account. Less than one dollar per year in earnings
