Retirement tax questions

I didn't realize those late 2019 ones were waived too...

 

I pity both the software folks trying to program it and make it clear...and the poor users/taxpayers for whom this is going to be immensely confusing as to what their actual choices must be to get them posted right.

____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*