I get what you are saying and that is what I will do. I would have thought, however, that the software based on what is entered from the 1099Q would make the determination of what is and isn't taxable. For instance, it has me enter my 2024 refund from my state tax return but will tell me it isn't taxable because I used the standard deduction. It honestly shouldn't be that difficult to make the determine, even if it requires asking a few more questions.
