Any taxable distribution in 2021 will be taxable in 2021. If you are under age 59 1/2 then any distribution that is more than the amount of your contribution will have a 10% early distribution penalty on your 2021 tax return. Your own contribution is not taxable.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
