"Is that accurate? "- yes
"I am 70, so it'd be great if I could avoid that extra 20%. " yes
"if I withdraw those funds now, I assume a) I'll still have excise for 2023 &" - yes, but do it this week! (before April 15th)
"b) the withdrawal would be reportable on my 2024 return, not 2023. Right?" - yes
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
