You don't have to clear everything if you switch versions.
If you start off in the Free Edition, TurboTax will tell you if you need to upgrade (based on forms needed for your return).
If you upgrade, the needed forms are added to your return. Not so bad.
Click this link for more info on Do I Need to Upgrade?
In your case, Form 5329, Penalty for Early Withdrawal, may be needed. Be sure to see if you qualify for a Penalty Exception.
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