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In response to "Unfortunately, yes. It has to be earned income. -- nm" by psilotum

i just realized that in my "?!"-ing frenzy, i already knew all but one answer. the "is it the whole amount" part - i know it's the full + any income

from it, if there is any; but i still haven't found if it is the full if there's been a loss. at worst, i'll find that out when fidelity sends me back a 1099-r, which should show the whole deal.

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