oh man - THANKS HAL!!
Your note that none of the 1099-Q is reported to IRS if everything zeros out put it all together for me.
That doing a 1040-X for me in 2019 will NOT change anything as there is no new information being reported.
For my CP2000 form I got, I submitted a revised 1040X and had other issues with my tax that year (I forgot to enter a few brokerage transactions that needed to be corrected.) yet I bet they come back and ask for more information related to my 1099-Q. I've all the paperwork (receipts) and will send them the worksheet if they do so.
Again THANKS!!
again - many thanks
