I open my Roth IRA on Sep 2021 and made contribution eary of each year.
On 2023, I made contribution on Feb 2023 as usual.
During tax season ( April 2024), I realized that my contribution is limited due to additional income(actually tax SW indicate excess contribution and thus add form 5229 include 6% penalty). It was bit late and thus filed 2023 tax. After I simply remove the excess amount from my Roth not through Fidelity ( 2nd mistake).
once again on Jan 2024, I made 2024 contribution.
At the end of 2024 (early of 2025) I receive 1099R with code of T. I googled the code of T and realized ( assumed) that Fidelty handle this removal as withdraw.
Again bit late, I decided 2024 tax file first and remove properly. While tax filing, I again learn excess contribution on 2024.
On April 2025, I remove the 2023 excess via Fidelity.
On May 2025, I remove the 2024 excess via Fidelity.
At the end of 2025 ( early 2026), I received two 1099R with code of PJ(2024 removal) and T(2023 removal).
In 1099R with PJ, I see $163.75 in Item 2a - Taxable amount.
What steps should I have to do before 2025 tax filing?
2024 amendment is needed?
2023 excess is properly removed?
