I appreciate the feedback...so I withdrew $90K and took advantage of the "covid exception"...I declared $30k in income for 2020. Now I am declaring another $30k in 2021. I guess what I asking is, if I use 8915F to declare this deferred income, is the income treated any differently than if I had a 1099 with $30k and no taxes withheld? I think the answer is no but was looking for some expert opinions on this subject. Other than starting a new return with software that supports 8915F, I don't see many other choices.
