@fanfare wrote:
In your case where you made a contribution for 2023, it is not yet past the filing date of your 2023 return, so the procedure is different.
you need to request "return of contribution with associated earnings"
That's what I said. For 2023, the excess can be removed before April 15. (Actually, there is a 6 month extension but you have to follow a special rule. Easier to fix it before April 15 since we know about it in plenty of time.)
The 2021 excess can't be removed using that procedure and is penalized on an amended 2021 return. The 2022 excess can't be removed using that procedure and is penalized on an amended 2022 return and the original 2023 return. The 2021 and 2022 excess can be withdrawal (not "removed") in 2024 which will close out the situation.
