@mpower13
You have until Oct 15 if you file by Tax Day or request an extension.
if you ar partly allowed a contributon, and ask for return of only excess "contributions plus earnings" back (2,490), you must add a fudge factor
for the earnings which if positive, increase your MAGI for Roth purposes leaving you still with an excess.
To offset with an avilable contribution you must be allowed to make that contribution.
Since you already contributed for 2025 that money is no longer available as an offset for 2024
If you wait until after Oct 15, any earnings on a 2024 excess will remain in the Roth IRA. you will pay 6% a year until you take the excess out
