You will receive a form 1099-R for the $10k withdrawal by the end of January 2024.
You have to report that form 1009-R on your tax return and you will pay income tax on that amount and also a 10% early withdrawal penalty as you are younger than 59 1/2.
The waiver of the penalty only applies to your net withdrawal of $56k in 2020, not on the withdrawal in 2023.
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