Amazingly helpful. THank you. One last question your answer brought up - for 2023 you said not to tell my financial institution about the withdraw of the overcontribution. Does this mean I just remove it from the ROTH via a transaction online that I do myself to one of my other accounts? Won't this show as an early distribution since I am below the age at which I can take money out of my ROTH and have it's own penalty? My understanding is the financial institution can use a special form to show this was an overcontribution? Thanks again -so helpful!
