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Thanks!  I do have the tax amount listed on my 2020 1040.  I'm still struggling as to how this 8915 process works.   I withdrew funds and paid 20%.  I did not pay the early withdrawal penalty of 10%.

 

Did I get a a 1/3rd credit on the 20% when I filed 2020 taxes; and now I'm paying the next 1/3rd?

 

I shouldn't have to pay 20%, then 10% penalty; then income tax on the remaining, should I?