DavidD66
Expert Alumni

Self employed

You need to go ahead and remove the excess contribution before you file your return, otherwise you will have to file an amended return.  If the excess is only $90, any related investment income is likely to be negligible (less than $1) and not require reporting.  You can remove the $90 and assume there are no earnings associated with it, or you can file an extension and wait on Fidelity to calculate the earnings, if any, and remove both before filing.  If you remove the $90 before you file, you won't have to report anything.  It will be as if you never made the contribution. 

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