@fanfare That helps, thanks. I do intend to pay back 100% of the borrowed amount. As such, you are saying amending 2020 is required, which I've planned on. Do I also need to complete Form 8915-F?
As for amending, can you provide specific TurboTax instructions? As far as amending, I'm going through the steps Dave provided, and hit a wall at step 9: "Tell us if you moved the money through a rollover or conversion". I'm in my 1099-R, and just see the form. If I walk through the TurboTax wizard on this form, I get to a question that asks, "Did XXX repay any of this distribution?" Is this where I'd change (amend) my answer from "repaid none" to "repaid all"? I toy with this, and that doesn't seem to give me the expected refund.
Final question: Once I complete the amendment, will I get the withheld $35,200 returned to me? This amount was withheld from my original $100k withdrawal, and if I'm paying back the full $100k (and not just the $64,800 I ended up with after withholding), I'd assume this would come back to be as a refund. Is that accurate? I guess the alternative would be for me to pay back $64,800, but the consensus seems to be that I pay back the full $100k.
Thank you so much for guiding me through this chaos!
