Thanks for the reply!
I was reading the instructions Vanguard provided and they said to refer to instructions for IRS form 8606. I read through those and I don't need to file a 8606, but the instructions do mention on page 6, Return of IRA Contributions, "you must include the amount of the distribution of the returned contributions you made in 2024 and any related earnings on your 2024 Form 1040, 1040-SR, or 1040-NR, line 4a. Also include the related earnings on your 2024 Form 1040, 1040-SR, or 1040-NR, line 4b. Attach a statement explaining the distribution."
So I am wondering if instead of a substitute 1099-R I can just over-ride 4a and 4b... the tax result appears to be the same both ways when I tried each?
I am sure I will get a 1099-R in 2026 for this amount, but I am guessing box 7 will have a "P" - taxable in 2024. I won't need an amended return because I used 4a & 4b?
