Did you pay 84.79 for the 2019 Deluxe program download or the 2018 program?
If you bought the 2019 Desktop you can keep it for next year or call in to get a refund. Or ask to exchange it for the 2018 program.
If you bought the 2018 Desktop program, you do need 2018 to finish a 2018 return. But buying the Desktop download (or CD) won't unlock your online return. So you do need to call in to unlock online and download the .tax2018 file to open in the Desktop program.
Are you under 59 1/2? Normally you can enter a 1099R for a IRA or 401K withdrawal in the Free Edition. Unless you need to pay the 10% Early Withdrawal Penalty.
