 Figure it out. Here's what I want you to do. If you can actually remember this, you probably won't, but I'll just say it anyway for those that are actually caring. Take everything you earned last year that was passive income. Has nothing to do with your job. Has nothing to do with your earned income. Has nothing to do with your money you've already earned and put into a 401k and you're pulling out because that's money you've already earned. That's earned income. Has nothing to do with