@isnobrd58
If you want to leave earnings in, you have to wait until after your extension date.
SO, you have to do it in two parts.
2020 excess contribution removed now without earnings.
2021 excess contribution removed later without earnings.
you will pay the 6% penalty per year on the excess due to the fact that you are waiting to remove the excess.
As the market goes down, your earnings evaporate unless you moved into all CASH recently.
