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After you file
The retirement savings credit was automatic if you entered any 401k contributions from your W-2. So, if you have ever had a 401K at work, it would be completely normal to take that credit and not notice. It is also normal to have a tax liability - since you had no underpayment penalty, you should have no problem using the First Time Penalty Abatement Waiver.
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March 24, 2023
3:12 PM