Just to confirm something. The 3 year question is pertaining to spreading out the income withdrawn over 3 years, but NOT, spreading out the withholdings I had, over 3 years. In this scenario, 401K income withdrawn will be divided over 3 years, but withholdings will all be applied the first year. Is that correct?
If so, obviously I'll have to plan for an approx extra withholdings or tax paid at some point in year 2 and 3.
