@DanaB27
Thank you for your assistance.
2023: I understand this and have no further issues.
2024: I understand this and have no further issues, i think i got confused by the step-by-step telling me i had until the deadline this year to avoid the 6%, but in reality that applies to the first year it happened based on what you've said.
2025: I will likely get a form and not have any issues with this, but can always seek advice (albeit earlier) next year.
My one remaining question would be in 2) you linked an article. I assumed that because i was up against the max, that earnings would count against me, it sounds like via the article it would not have met the criteria? Is there something to be done now with it, or it now is what it is?
I do appreciate you taking the time out of your day to help me and others (as well as the rest of the folks here).
