Thanks a lot, this is very helpful.
Yes, I am going to pay the penalty for the small excess and then do a normal distribution of the stated excess amount from the Vanguard Roth account. Will there be a penalty on this normal distribution being taken from Roth since I am not 59.5 yet? Will this create the necessary forms for the distribution taken, to file in 2021 for the 2020 return? Or will I have to do something special in 2021 for the 2020 return?
