JosephF8
Expert Alumni

Retirement tax questions

The issue here comes down to is this the first year of withdrawal from the IRA? If yes there should be a number in 4a. If not the first year of withdrawal there should be a number in 4b. Line 4a and 4b are for contributions to the IRA. Contributions to the IRA are taxed on the state level are taxed at the time of contribution (not excluded from income). For this reason only earnings should be taxed at withdrawal.

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