Jordan555

This is a very great thread. I arrived here with many of the same questions. I am in a similar position, my spouse changed Jobs (new job started Sept 1, 2023) and got a FSA, meanwhile I was contributing my HSA. My question to the group, and hopefully @Brian Gilmore, is we discovered this rule in 2024, after the year ended and want to make it right. My gut is to take a corrective distribution from my HSA custodian for the amount of time that I was out of compliance in 2023 (4 months (Sept-DEC) and realize that income in 2024. Is this the right way to handle this? Should the amount be (Total amount contributed /12 (months)) x 4 (for each month out of compliance) Or since I did some uneven distributions the total of my contributions for the last 4 months? Or Something Else I am missing? Thanks soo much for the help and thanks for this wonderful thread.