I’m confused. In 2019 I was allowed to contribute $450 for the year so instead of contributing, $450 of the $2110 from the previous year’s excess was carried over (absorbed) leaving the excess as $1660. In 2018 the 6% penalty was paid on the $2110; in 2019 on the $1660; and again in 2020 on the $1660 (I was unable to carryover any excess into 2020 as my MAGI didn’t allow for any contributions that year). So my excess that is still in the account is $1660.
