Not sure why my refund is being cut in half, I only withdrew my contributions for my Roth IRA, not earnings.
I have a 1099-R from E-Trade and they classified this as J (distribution code).
After you enter the 1099-R into your tax return be sure to go through all of the follow-up questions. One of the questions will ask about the contributions that were made to the Roth account – this is the basis of the account. If the basis is greater than your distribution, then none of the distribution will be taxable.
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