so what if I do NOT report it this year (per DaveF1006 post on 4/6/20) - even through I had the excess distributed before April 15?, and next year use the 1099R that will be issued - will I have to pay a penalty? Again, I had ~6K that was distributed and TT calculations make me pay and extra 2.9K in taxes or ~50% of the 6K which seems completely out of wack and disproportionate...
