@AnnetteB6
Also, we could be talking about different penalties. I don't think I'm being charged the 6% penalty for having an excess contribution, because I removed it before the tax deadline. But there is still a 10% penalty because I removed earnings prior to being 59 1/2. I don't know anything about this law being changed, and I think this 10% penalty is probably appropriate. Just wanted to throw that out in case we're talking about different penalties here. But that question from my screenshot is not making any sense to me.
