Hi, I'm dealing with a nearly identical tax situation and I have a few questions:
1) If an excess Roth contribution for tax year 2020 was made in 2021 (i.e. money was deposited in early 2021 but marked as a prior year 2020 contribution), does the 2020 tax return still need to be amended? This money was not in the Roth IRA at any point in 2020 so it had no potential for earning during that year.
2) Does the order of filing amended returns matter? If the 2020 and 2021 excess contributions withdrawals have no NIA calculated and are identical to the amount contributed (e.g. you put in $6000 in 2020 and took out an excess of exactly $6000 in 2023), can the 2020 and 2021 amended returns be filed after the 2022 return?
3) Is there a penalty for not filing all the amended 2020 and 2021 returns by the 2023 filing deadline?
Thanks!
