Retirement tax questions

What do you mean income but you can't withdraw it?   Either you took a distribution or you did not - can't be both.

And what does being able to claim HOH have tot do with a 401(k).    One is a filing status and the other is a retirement account.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**