What happens if I do not fill out a 1040x? Even if I owe 0.00 in section 2a on the 1099-R, will I then just need to fill out the form at a later date? Is there a penalty? I ask because to add this form to my completed turbotax will reduce my return rate by $115, that is quite a lot of money to pay simply to tell them "I owe you nothing in a form" Thanks in advance.
