Overcontributing to a Roth IRA


Hi Folks,

I had a funky situation this year and im sort of in a pickle. I contributed about 2800 dollars to a roth ira this year while i was under the income cap. I also happened to get married as well, combined we are well over the limit for contributions. I called fidelity and they were not helpful at all.

I essentially want to move that money back out before the end of the year so i dont have to worry about any penalties but dont know the best way to do that without hitting fees or early withdrawal penalties. Is there a way to easily reclassify this amount and resolve this before year end?

Any help would be really appreciated!


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