Typically, if you're not eligible for a contribution in 2023 due to income, you're not eligible in 2024 either.
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eturn of excess contribution:
after tax due date including extensions: you distribute the excess amount being carried forward on 5329,
(or offset it with currently allowed contribution) .
Amended return(s) will be needed supplying that Form 5329 since there is a 6% penalty per year on accreting excess contributions .
Earnings stay in the Roth account.
Consult your custodian to obtain the correct removal form for each case.
@jox_tax
