Thank you Cindy for providing a little more context. Yes, I was referring to the 10% early withdrawal penalty on the earnings of the Roth contributions we withdrew. Unfortunately, we don't have the cash flow to make additional charitable contributions and as I mentioned, with the higher standard deduction, I'm not sure we'll be able to itemize for Federal. Itemizing for State is fine and we usually get a refund, but it just offsets what we end up owing to the Feds - we just pass it from one entity to another. I'll check out the link and see if there's some more specifics on what I can do on the W-4 or other items besides increasing our withholding.
