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Probably along the lines of a thousand or two one way or the other. So set that money aside in case it's needed and move on with life.

I agree. Although, 45k redemption versus 65k exemption is 20k difference. Multiplied with 26% is about 5k in taxes (unless I missed something because the whole dang AMT calculation is not that straightforward).

In our case, we are on the crisp from two-income to one-income. So the 5k extra may tip the scale and not knowing either way is, well, idiotic.

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