MFJ, and we both contributed a small amount to our Roth accounts in January of 2024 before we realized we'd be over the income limit for the year. Our custodian removed the contributions plus earnings in March of 2025.
I went through the Roth contribution step by step questions, and the total amount removed (original contribution plus earnings) now appears on the 1040 in box 4a, but there's no amount in box 4b, where I believe the earnings should appear.
I did complete "made up" 1099Rs for each of us for this event. I checked box 2b (taxable amount not determined) and left box 2a blank per the custodian's projection of what will be on the 1099Rs when they are received, but should I uncheck box 2b and enter the earnings in box 2a, since I know them (the difference between the contribution and the total amount removed)?
How do I get the earnings to appear in the proper place, and are there any additional forms that I need to file with this year's return to properly account for this event?
