I over-contributed to a Roth IRA based on income limits in 2016/2017 (5 years ago).
It's too late to correct the excess with a "corrective distribution" or "dollar limited distribution". Therefore I have to either withdraw or "distribute" the whole amount of the excess, or "absorb" part or all of the excess with the current year contribution limit available to me.
I'm not presently working, and therefore have no earned income.
Is Absorption available as a strategy to fix the excess contribution if I have no earned income?
