Hi,
First, congratulations on the motor home purchase! You don't say if this is a regular IRA or a Roth, but I suspect it is a regular IRA, which is typically funded with pre-tax funds, making the IRA withdrawal taxable fully. You may have also been penalized for taking an early withdrawal. That penalty is another 10% to the Feds generally if you took an early distribution (before you were 59-1/2). There are some exceptions to the penalty, and those are discussed briefly here. If you think you may qualify, you can learn more about the exceptions and requirements on this IRS webpage. This article may give you some helpful information for the future.
If you had after-tax funds in your IRA, it could get more complicated, but the IRA custodian typically reports what is taxable. Unless they checked "taxable amount not determined" box 2b, it is extremely likely that the taxable income is what it is. Take a look at that 10% penalty article to see if perhaps you could get a penalty exception. It's a high bar to meet, but maybe there is something there for you. If there is, you can consider amending your return.
I am also wondering if the issue includes whether or not you have the money to pay the taxes. If you don't, you can look into payment plans with both the IRS and South Carolina. Here is information about IRS payment plans and here is information about South Carolina payment plans.
Please cheer below if you found this information helpful.
Best of luck and enjoy your retirement,
Karen
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