Retirement tax questions

You are confused because you are confusing actions taken in one year but reportable in a diffrent tax year.

 

You have until TaxDay 2025, including extensions if ask for that. to handle this 2023 issue on your 2024 tax return.

request an extension and put it away for three days, Come back then and hopefully it should be clear to you what to do.

 

@helpplease44