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I'm very frustrated because TurboTax for the web will not allow me to enter the 1099-R without revising my tax up more than $100.

After reviewing the 1099-X form produced by turbotax, it looks like it isn't increasing my income, in fact it is reducing my "credits" by $96.

Apparently, "Credit for qualified retirement savings contributions" is reduced by Roth distributions. I had a credit there from putting money into a 401k.

So, I really wasn't wrong, there is indeed a penalty for some people for withdrawing Roth contributions, and for me, it happened to work out to be right at 10% of my distribution.
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