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Retirement tax questions
@xilex - then I am confused by your ask - look at #1 in the link you provided
1. Timely remove excess before the tax filing deadline
— The excess or unwanted IRA contribution amount,
plus the net gain or loss, will need to be removed by the tax
filing deadline (generally April 15), including an automatic
six month extension. This means the excess should
generally be distributed by October 15. If you remove the
excess contribution after you file your taxes, you may need
to file an amended tax return. If you remove the excess in
a timely manner, you will owe tax and, if under age 59½,
the IRS 10% additional tax for early or pre-59½ distributions
(10% additional tax) on any earnings, not on the excess
contribution. See the next page for the IRS provided
formula for calculating the Net Income Attributable (NIA)
of either earnings or losses.