That it how the law was written and we have to follow it.
If you had substantially gains, then you could pay the 6% on the excess contribution on your 2024 return and then remove the excess contribution without earnings after the extended due date (October 15th, 2025). If you remove the excess contribution after the due date, you only have to remove the excess contribution but can leave the earnings in the account. But be sure remove the excess contribution amount before December 31, 2025 to avoid paying the 6% penalty again on your 2025 return.
@skilletfan59
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