Ow, wow. Thanks for the input, I'm finally wrapping my brain around this. I took out more than enough in a distribution, and I paid a 6% penalty (a whopping $52) on my 2018 return, so I'm covered both ways. Overkill, maybe, but at least it's resolved. I'll just zero out the $864 excess on my 2019 return and call it a day. Thank you all!
