In 2022 I made $6,000 excess contributions by accident (salary had increased) and I withdrew the excess contributions plus earnings in 2023 before filing my taxes when I realized the issue. I followed the instructions here (https://ttlc.intuit.com/community/taxes/discussion/reporting-excess-roth-ira-contribution/00/1900728) and chose to report the 1099-R before receiving it, in my 2022 taxes.
The comment there mentions that I can ignore the 1099-R when I receive it, but not if taxes were withheld. Now that I've received my 1099-R I see that taxes were withheld. TurboTax is now saying I need to amend my 2022 taxes. Do I fill in the 1099-R exactly as I received it or do I make adjustments given that I already reported it in my 2022 taxes.
Also, in 2023 when I withdrew the excess contributions, I had the contributions transferred to a traditional IRA at a different financial institution which I then converted to Roth (2022 contributions). I also contributed an additional $6,500 (for 2023). I am receiving an additional 1099-R from that financial institution with a gross distribution of ~12,500 for 2023. Is this correct? Am I supposed to include both of these 1099-Rs? It says I owe thousands for my federal taxes when I add both of the 1099-Rs so I feel like I'm doing something wrong.
