Another thing that led to the confusion----this thread is old. When you see a 2019 date in some of these threads ---they can really be much older---and this one is old. When the user forum changed from Answer Xchange to Real Money Talk in mid-2019, a bunch of old threads migrated over with 2019 dates. But the information in that reply above has to be much older---from before the tax law changes that occurred for 2018 and beyond.
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
