I am in the same tax situation as MichaelJordan [never thought I would say that truthfully] but my wife and I also made excess Roth IRA contributions in 2020, 2021, and 2022.
Prior to finding this post, I had been doing research on the web on how to handle this situation. I found some websites that said I needed to include earnings/loss for all three years and others that said earnings/loss only came into play for 2022. I went to the IRS site to see if I could find something to back up either solution and was unable to find anything. Am I missing something?
Thanks.
