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Thank you for trying to help me.  I actually withdrew the 429.00 plus 11.34 in interest. Fidelity is sending me a check.  I am still a little confused, however.  As I am doing my 2025 taxes, the 429 is included as income and as previously stated; the penalty of 46.00 is there, but I won't actually get a 1099-SA until next January, as I took the distribution in 2026, correct? So does that mean I have to claim the 429 as income again next year? And, since I won't have the 1099-SA, I'm not sure where the 11.34 in interest will be claimed....next year as well?