The MAGI changed because the earnings that were withdrawn are taxable in 2021 (the year of the excess contribution).  So once I entered the earnings on the 1040, the MAGI in the contribution worksheet also increases by the earnings and now says that there is another excess contribution.  I believe the MAGI should stay constant after the calculation to get the original excess earnings, otherwise you will keep going in circles.  Once you get the original excess contribution I think overriding the MAGI number in that calculation is the only way to get everything to work properly.  When I do that, everything flows properly.  I should be able to efile with that particular override.