I contributed to a Roth IRA in 2020 ($200), 2021 ($1200) and 2022 ($2100). In January 2023 I realized our combined income made me ineligible for these Roth IRA contributions. (TurboTax never asked us to enter Roth IRA contributions so we were unaware of this problem until I stumbled on external info.) I panicked and simply withdrew all money from the Roth IRA in January 2023. (I'm under 59 so there are also penalties for early withdrawal.) I called Vanguard to get a 1099-R to prove the withdrawals. The rep told me I'd have to rollover the exact amount I withdrew back into the Roth IRA, then begin a different process of withdrawing excess contributions to get the correct forms. Does this sound correct? I'm afraid the rollover in 2023 would double count as a contribution for 2023, which I cannot make. How do I fix this? I've really made a mess of it.
