Well I decided to take a look. On my 2017 tax return I got around $2,000 back, 2018 I had to send in $2,200. My overall tax, the only thing that really matters, was $2,000 higher in 2018. But my adjusted gross income was $13,000 higher.
Since I’m in the 24% bracket for anything that I withdrawal from my IRA, it looks about right to me.
This year if I take anything out of my IRA I’ll have them withhold 20% so I don’t have to pay a penalty.
I would rather send them a check for a couple of thousand than have to wait for them to refund my money.