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Understood Dana, appreciate you clearing that all up for me. When amending my 2020 tax year form I noticed that the 10% tax is being applied to my 5329 form, but I had already requested a 10% tax withholding when requesting the excess contribution withdraw which was reported on my 1099-R (dated 2021, has P&J codes but received in 2022). May I get help understanding why that 10% is still being reported as tax owed in turbotax?