Thanks so much for replying @fanfare . That makes a lot of sense and aligns with what I expect - only tax on additional earnings. Now, I'm not very familiar with the process - are you suggesting amend my 2018 tax? I went back to check my tax statement in Vanguard for 2018 and I only see form 5498. Should I call Vanguard so they can issue me a form in 2018 that I can use for the amendment?
