Deductions & credits

Awesome! I can finish these taxes today then and am fully confident I did it right! I went back to read the 8889 instructions and it does say to avoid the penalty "you also withdraw any income earned on the withdrawn contributions and include the earnings in “Other income” on your tax return for the year you withdraw the contributions and earnings."

I am withdrawing that in 2023 so it will be on my tax return for 2023 (which is not the tax return I file in 2023).

Thanks for making my tax season, Bill!