@DanaB27 Thank you again for your advice AND patience. It seems so counterintuitive that they allow you up to take 15 1/2 months to contribute to an IRA yet they do not allow you the same amount of time to withdraw it even though it is the second year of the infraction. One would think that they would also allow you to take up to15 1/2 months to fix the second year of the 2021 infraction, i.e. April 18 2023 (before 2022 submission) for a 2021 contribution. After all, the IRS gave me until April 15, 2022 to fix the 2021 excess contribution. So frustrating. Is there a direct cite in any IRS Publication that specifically addresses the second year of an initial excess contribution infraction?
