dmertz
Level 15

Retirement tax questions

Correct.  You had only until the due date of your 2018 tax return, including extensions, to obtain a return of contribution that would have avoided a 6% penalty for 2018 and avoided carrying an excess into 2019.  We are now close to 5 months beyond that October 15, 2019 extended deadline with respect to your 2018 excess contribution.