Level 15

Retirement tax questions

No, that is not a recharacterization.

It depends on when and how you withdrew the money.

Was it withdrawn in 2018 or 2019?
Did you specifically ask the IRA custodian for a "return of contributions" and did they return any earnings along with the excess?
Or did you just withdrew the money as a normal distribution on your own?
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**