OK, that makes sense because I chose 3 years option. Thanks for the clarification. I had assumed they entire thing was made part of my income in year one and they would just split the taxed owed over three years. I didn't realize that the income applied to you was also split but that makes perfect sense. Again, thanks for the clarification.
I did notice though that the entire amount of Tax paid from the original withdrawal was all applied in year one. It would have been nice to be able to apply that over 3 years as well to lessen the tax burden. Turbo Tax did that automatically. Oh well at least I know about 8915-F now. Hopefully it comes soon.
