I just realized that I contributed 7k to 2 different Roth IRA's in 2022 - for a total of 14K. The limit for over 50 years old is 7k in 2022.
In the past I have never entered the Roth IRA information in Turbo Tax since I did not think there was any benefit of doing so but if I did I would have caught this sooner.
Can I apply the excess 7k to my 2024 Roth IRA Contribution and pay the 6% penalty for 2022 and 2023?
Or do I have to withdraw it and the earnings?
Do I file form 5329 for 2022, 2023 and an amended return for those years?
Do I need to do anything for 2024?
What are the steps to fix it?
