Hello, I recently made wrongly a request for excess contribution removal from my Roth IRA account.
I got confused about the Roth IRA and Roth 401k contribution limits, since I thought they share the same max limit of $6000 (in 2022).
In 2022 I contributed the max $6000 in my Roth IRA and I also contributed $1900 in my employer's Roth 401k. So I thought I overcontributed in 2022 in my employer's Roth 401k the amount of $1900 and made a request to Vanguard to remove this excess contribution from my Roth IRA. But apparently I was wrong since they share different max limits.
I called them today to cancel this request and they told me that the cannot cancel this requet and on January 2026 I will receive a 1099-R for this and a check with the excess amout distributed. So I'm going to receive a 1099-R for an overcontribution that I never made.
Here's my questions:
a. Should I ignore this 1099-R and never import it in my taxes next year? I understand that I have to pay a penalty of 6% for each year (2022, 2023, 2024 and 2025) of this $1900 amount if I enter it in my tax return for something I never did.
b. What is the way I should treat this mistake?
c. They money that I wil lreceive back can be contributed again in my Roth IRA 2022 plan?
