No IRA or 401K stuff happening this year or ever, so far. We are seeing a refund as we typically do. Not following about tax liability was probably reduced by credits. Not aware of credits involved, but as you can guess, not knowledgeable enough on all tax info stuff, my apologies. Thank you for your reply, I am hearing you about the optional part. 🙂 Would just rather they not be there, but from the other reply, it seems safe to ignore, it's not going to the IRS. Thanks again.
