I converted $100,000 of 401k money into a Roth IRA in 1998. After many years, I withdrew that conversion basis (two separate $50,000 withdrawals). This year, I withdrew $68,000 from what the earnings that remained. I am 58, so I expected to pay the 10% early withdrawal penalty ($6,800). However, TurboTax so far is letting me off the hook for that. I suspect I'm doing something wrong. Or did I just get lucky? (Note: I didn't take a hardship withdrawal due to COVID or anything else.)
