 So let's say this was 1099R number two, the second one, but this is an IRA one. Let's say it's a normal distribution, number seven, but I'm gonna just check it off as an IRA distribution and say this was usually a smaller bit for the IRAs, right? It's usually a lesser amount because the major one might be from their 401K plan or whatever. And then you might have another like an IRA, which is usually a lesser amount. And then you might have multiple of them, right? So in any case, I might not have any withholding for the IRA, let's say it's taxable. And then I'm so I'm gonna go back on over here. So now that first one would be represented 100,000 here, 100,000 here. And then box seven, a normal distribution code seven, and then nothing's checked off. And that second one, I had, what was it, a 1000 that I put? I had 2000 here and this box and this box. And then distribution code, normal distribution. And this time this one was checked off. So you can see why, like if I look in my data input and I tied this out to what I had in my forms, that's why I said it's kind of nice to have it all in one area because then you can add them up in your data input. But when they pull over to the form 1040, now they're gonna be broken out in the two areas. I'm gonna keep this at 2000. I said of the 2000, 1000 was taxable. Let's make it 2000 and 2000. So now you can see they're broken out over here into separate line items, right? So that, and that can kind of mirror. So if I was to mirror that on my side, I could say, okay, the IRA had 2000 in it and this one had 100,000, 100,000 in it. And then the withholdings then are not coming from the W-2 income, but rather from the 1099R of 15,000. And I just, yeah, I'll just put them all in one that time. Okay. So now we've got the 202, the 14-7, the 202, the 14-7, the 202, K-passo, oh, the 100,000 needs to go from here. Now we've got the 102, the 14-7 gets us to the 87-3. 87-3, boom. And then page two, we've got the 14829. I'm gonna plug that in, 14829. And then I had this other taxes here. For an early distribution, I'm gonna remove that because I'm gonna say that they don't have a penalty because we'll deal with the penalty in a second. And so there's that one. And then that gets us to the 171, 171 on the bottom of the line, the bottom of the line. Okay, so now let's run a scenario where they're in their working years and they made the decision to pull the money out of like a 401K and they weren't in the retirement years and therefore we have a box one check off, which is gonna be, you get hit with the penalties, interest, and having to pay the taxes. So I'll reformat that, give me a sec. Okay, so we're back to our normal starting point, single Anderson 100,002 wages, 12,950, 8750 here. Now we're gonna add the fact that they got money out of their pension plan because they changed jobs and they're just like, I'll just pull the money out then, because I don't need it in my 401K plan and my old job. And so I'll just pull it out and it's like, okay. And then we're gonna say this is gonna be a 1099R. And let's say that it was distribution code one now. And let's say they pulled a significant amount out this time. Let's say they pulled out, let's say they pulled out like 35,000. Yeah, I'll just go to the Bahamas with the 35,000 because I don't need that job, man. I don't need that job. And then you're like, okay. So now they pulled it out before the retirement because it was distribution code one. So that would be 35 here, 35 here, distribution code one here. And then we're gonna go, let's see what happens. So now we're gonna say 35,000. And now we've got 35,000 in income and they're gonna get hit with a penalty on it, right? That's where the real kicker is. And so, and they're gonna be in their working years. So if they're still making a decent amount of income, then they got hit with the income on top of that. So that's gonna be taxed at a higher tax bracket than possibly in their retirement years when maybe they're not gonna have to report 135,000 of income, because they're just gonna pull out what they live on. And maybe they don't need to pull everything out of the retirement plan that's taxable at that time, right? So in any case, now we got the 135, let's mirror that over here in my worksheet. So we're gonna say boom, income. And we've got the distribution, I'm gonna say it's 35,000, nothing on this one. Up top, we've got the employer 100,000 with regards to the withholdings, W2 withholdings instead of the withholdings here, W2 withholdings, bringing that back on over to page numero uno, 135, 14, seven. This is back down to just the 12,950 standard deduction. Okay, one, two, two, zero, five, zero. So that's gonna be one, two, two, zero, five, zero, movie B to the end, second page calculation, 23, 128 on the tax. So we'll go 23, 128 on the tax. And then, and then we've got this 3,500, ouch. Where did that come from? Page two, schedule two. And we see that we have this additional tax on IRA or whatever distributions, 3,500. So that's gonna be down here in our worksheet added tax, other taxes, let's jump on over there. And this is coming from the additional tax, let's just say on 1099R instead of, so this is a 1099, 1099 number one. I'm just gonna say this comes from equals the form here, and the tax is 10% times 0.1. There's the penalty, boom. So that gets pulled on over. And so then, so it's a pretty hefty issue. That's the point. You don't wanna have to pay taxes on it in your working years when you're at your higher rates of tax brackets and then get hit with a 10% penalty on top. That's the point that we're trying to make here. So tell people not to do that. What do you do instead? You roll it over. Over. Rolling, rolling, rolling. Keep those doggies rolling. Rolling, rolling, rolling. Rolling, rolling, rolling. Raw hide. 359, sorry about that. I got excited. 359, that brings us to the 11987. Okay, so then you roll it over. Don't do that. Don't do that. That's what we tell them. So we say, what do you do? Well, you go to the new place and whoever you wanna roll it over and make sure you can roll it over so the distribution code doesn't say one, but instead says G or something like that, which is a direct rollover. So if it was a direct rollover, then we would expect something to be in box one but not in box two distribution code telling us it's a rollover. So then I'm gonna say, now I've got box one but not box two, not taxable. Scrolling back on over. You would expect something like this then and you'd say, phew. 100,000 W2 income pension 35,000 here but it was rolled over. Don't tax me on that poor favor. It's not included in the taxable income. Therefore, we're back to the starting point. What's the moral of the story? Don't be stupid or, you know, meaning in this case, don't roll the money, roll it over. Don't take it out if you don't need it because the whole point of putting it in there is you're trying to avoid the penalties and interest in taxes and whatnot.