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.Maarten
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