Yes, you can request the 2024 excess contribution plus earnings now and decide about the 2023 excess contribution later. As long as you remove the 2023 excess contribution as a regular by December 31, 2024, it doesn't matter when you remove the 2023 excess contribution.
Yes, if you withdraw the 2023 excess contribution plus earnings before the extended due date of the 2023 return then you never pay the 6% penalty because it is deemed as never contributed. But the earnings will be taxable income.
After the extended due date you pay the 6% penalty on the excess contribution and then you only have to remove the excess as a regular distribution. The earnings can stay in the account and do not increase your taxable income.
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