Thank you for your response!
I added the full $6k in 2022 and $6.5k in 2023. I already paid a penalty on my 2022 and 2023 tax returns (didn't notice in 2022, waited too long to fix 2023). I made no contributions in 2024 and will have to check my income to see if I was allowed to. If I was allowed, would there be some form to fill out with my bank to reclassify $7k for 2024 contributions, and is there a deadline to do this? And if I am under again in 2025, could I potentially reclassify the remainder as a 2025 contribution?
And to clarify, if I do need to withdraw, am I stuck paying the 10% early withdrawal fee on my contributions, or is that just for earnings?
