Ah. Ok I think I'm finally understanding. So it's gross income minus payroll deductions for the tax free pensions/health care. That will go in 2bi. Then the other dividends/intrest/etc will go in 4a. And if I don't put anything into 4b it will just assume the standard deduction. This is harder than it should be. 🙂 I really appreciate the help! thank you.
