it is now past extension date for 2024 return.
after tax due date including extensions: you distribute the excess amount being carried forward on 5329,
(or offset it with currently allowed contribution) .
Amended return(s) will be needed supplying that Form 5329 since there is a 6% penalty per year on accreting excess contributions .
Earnings stay in the Roth account.
Consult your custodian to obtain the correct removal form for this case before 12/31/2025.
If you made a contribution for 2025,
you need a "return excess plus earnings" form to resolve your issue before 4/15/2026.
@jbteagarden-gmai
