While working on Tax Year 2023, my wife recharacterized her Roth IRA. Since Turbo Tax asks about any previous years contributions, I asked my wife to provide any Form 5498's that might be available since her and I contributed about 5 years ago. Well to my surprise, she made 2 contributions in 2022 without telling me. $3000 to a traditional IRA and $6000 to a Roth. I filed our 2022 Joint return without knowledge of the Traditional IRA contribution. 2023 return has not been filed and I did not request an extension as we are due a refund. With her Roth recharacterization and my Traditional IRA contribution, we maxed at $14000.
Since there was an excess of $3000 contributed and I filed 2022 without an IRA deduction, my questions are this: I believe I have to withdraw the excess from the Roth IRA. Is there a way to do it without incurring the 6% excise tax? Can I carry forward after 2023? Do I have to amend the 2022 return?
