This keeps getting more and more interesting. I'm dropping the 401k removal, I believe you are correct on this.
As for the Roth IRA same year withdrawal, reading IRS Pub 590b where on page 31 it states, "Withdrawals of contributions by due date. If you withdraw contributions (including any net earnings on the contributions) by the due date of your return for the year in which you made the contribution, the contributions are treated as if you never made them. If you have an extension of time to file your return, you can withdraw the contributions and earnings by the extended due date. The withdrawal of contributions is tax free, but you must include the earnings on the contributions in income for the year in which you made the contributions."
Vanguard suggested that the 2023 contribution made in July is taxable in 2023 but the 2023 contributions made in February 2024 will be taxable on the 2024 tax form, not in 2023. Is this accurate information, as the part in bold above suggests all of it is in 2023 as made I made the contributions for the 2023 year. Thank you.
