I opened a 12 month IRA CD in early 2019. The intention was to reduce my tax bill for 2018. However this was a mistake as I was already maxing a 401k, so I got no benefit from the IRA. Once it expired in early 2020 I cashed it in (I'm over 60). Now I have a 1099R that shows I have a distribution for the full amount and therefore I am being taxed as if I had received the benefit a year earlier. How can I file this so that I only pay tax on the small amount of interest I earned, rather than the full amount?
