If you can't find a way to have TurboTax add the excess earnings now, (boo on TurboTax)
you can e-file and then amend your return.
your 1040-X AGI will go up by the amount of the earnings.
the earnings are an early withdrawal if you are under age 59 1/2.
You either amend this year without a 1099-R or next year with a 1099-R, besides figuring how to deal with TurboTax, it's all the same.
you know the earnings amount because the custodian adds it on to your returned money.
there will not be any withholding unless the custodian does it wrong.
Important: if you amend this year, you can e-File 1040-X. next year, it will be on paper.
@samsm2023
