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She Converted $80,000 at 58 and Had 20% Withheld to Cover the Tax. The $16,000 Never Reached the Roth, So the IRS Called It a Withdrawal and Added a 10% Penalty

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She Converted $80,000 at 58 and Had 20% Withheld to Cover the Tax. The $16,000 Never Reached the Roth, So the IRS Called It a Withdrawal and Added a 10% Penalty
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