I do not know who is replying to this but there is no box 4a or 4b - I did everything properly. Everything is 0. There should be no tax. Vanguard and IRS says the same. It appears to be a software issue as if you uncheck the box on TurboTax that says IRA/SEP/SIMPLE then no taxes are taken out. If you check it taxes are deducted on TurboTax. According to IRS and Vanguard checking this box should have no impact on taxes. Also this does not happen on H&R Block. So it seems to me to be a flaw. I have contacted Intuit numerous times but no response - seems like they don’t care
