Retirement tax questions

When tax was withheld from the distribution that was just an estimate---much like when your employer withholds tax from your paychecks and puts the amount on your W-2.  When you prepare and file your tax return, you enter the amount of income and the amount of tax withheld, and the software reconciles whether you owe more or get a refund.   You are not being taxed twice on the retirement distribution.

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