Wow, thank you so much for being so thorough with us, and we really appreciate it!
1. I think I followed your suggestion correctly. I pull out $1250 from her 2021 Roth. They asked me to choose a box. First box "the deadline for withdrawing excess contribution from my IRA to avoid the 6% penalty HAS NOT passed", second box "The deadline has passed". I chose the first box. I think box 1 means "a return of part of the contribution made for 2021", box 2 means "a regular distribution". I really hope I did it right this time.
2. I totally trust your saying! I think the rep was confused, but he did say that I need to mail in the check, and give instructions for how to deposit the check. I will look for the similar form from Vanguard, if I can't find it, I will open a fidelity account for her.
3. I was re-reading all your posts, and finally finished her 2020 tax return. I want to quickly go through some numbers with you. She has no income, no 1099-R, nothing but $75 due on Form 1040. Schedule 2, Line 10 is $75. Form $8539 line 23 and 24, $1250, Line 25 $75. Are those numbers sound right?
Thanks!!!!!
