Retirement tax questions

No, Critter-3 was accurate in their assumption. I have two kids, so there was a refund. Applying that year's return to 2021's taxes is what I should have done. That would have left me with a better return that I could apply to this year's taxes when I do them in a few months.

Well, needless to say this whole thing has been a learning experience. I'm definitely going to be better about thinking ahead.