<prompt> Human: So let me start by saying I deserve this. I was lazy and not on top of my retirement funds and now I think it means Im out about 2K.Let me try to explain why Im stuck:In 2014 I contributed 5500 to a personal Roth IRA. I did the same in 2013 and had no problems. However in late 2014 I took a new job and without thinking about it idk why I didnt think I ended up contributing about 10,000 to that account as well. I was overwhelmed, set a to save for the future, forgot about it and it backfired.In the first quarter of this year Ive received a huge bonus and as a result Ive already contributed another 10,000 to this Roth IRA due to it being set to a set of my income on Fidelity. Additionally, I now make too much to contribute anything in 2015.So in 2014 I contributed 15k and in 2015 I contributed 10k but dont qualify. My plan is to meet with a CPA and discuss my options but I am thinking my only option is to withdraw the excess and take the 10 early withdrawal penalty. 10 on 20k is a lesson I wont ever forget.  <response>: If you remove the amount of your excess contribution and any associated gains before the due date of the income tax return for the contribution year there is no early withdrawal penalty nor excess contribution penalty on the amount contributed. Any gains on the excess contribution will be subject to the 10 early withdrawal penalty, unless otherwise exempt. 