Retirement tax questions

@VolvoGirl Thank you very much for providing the IRS document and pointing out the little sentence that answer this question. 

 

@dmertz Thank you as well for letting me know the correct response and pointing out a way to corroborate as TurboTax won't make an excess once all information is entered.

 

@DaveF1006 Thanks for your response but it seems incorrect according to the IRS document shared in this thread. I guess this is an opportunity for both of us to learn something new 🙂