Retirement tax questions

okay, thanks for both of you providing more information on this matter. I'm understanding it a lot more, and that link to the tax info helped as well.

at first I was getting worried about a few things, now I see that I was not well educated on how this (tax return) actually works. 

I'll file with turbo tax- cause personally I like them, so I'm happy to see they are not taking anything from me.