adsing

Hello, I have a similar situation and I think I'm understanding, but want to double check. I'm also not sure what to do about earnings. My wife and I both had separate HSAs to start the year. I contributed to mine Jan-Dec. In September, she left her old job (so contributed to HSA Jan-Sept). She started her new job in October and unfortunately signed up for an FSA. This makes me ineligible for my HSA contributions for 3 months (Oct-Dec), correct? Over the course of the year, I contributed $6898 to my HSA and she contributed only $690 to hers ($7588 total), with the family limit being $8300. However, with the 3 months of being ineligible our limit would have been $6225. Therefore we made excess contributions of $1363 that I need to remove from my HSA to avoid penalty. Is that correct? My HSA made about $700 in earning during the year. Do I need to remove all of that as well? Or only 25% of it? Appreciate the guidance