I retired at the end of 2023 and completely spaced on the fact that I would no longer contribute to my Roth. I contributed the max 8000 allowed for me in 2024 and got an early start and contributed 3000 in January for 2025. The light bulb came on when I started my 2024 taxes. I contacted my broker and removed the excess amounts both for 2024 and 2025 (I don't anticipate earned income this year), plus they removed the income on those amounts. Reading through other questions, I can't find anything that fits this exact situation, but it looks like I can manually enter a diy 1099 for the excess contribution income, then will receive a "real" 1099 next year. My question is when entering this in on my taxes, do I only list the excess 2024 contribution / distribution and income for 2024 (8000+income)? And then address the excess 2025 contribution on my 2026 taxes? But if I do that, won't the "real" 1099 I receive at the start of 2025 show the total income received during 2025 based on the total I actually received (11000+income)?
