Retirement tax questions

Sorry-----when you put money into that 401k it was money that was never taxed to begin with.  It was not taxed by the feds and not taxed by IL .   You have never paid tax on that money.    You start paying tax on money from a retirement account when you retire and start taking the money OUT.   But if you are having too much trouble understanding that, then having a paid tax professional explain it to you is a good idea.

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