Just a penalty. Not a huge one. But I did have that nervous feeling opening it.

@ownworstenemy I can relate. Before my late wife's dementia, she handled all of her own finances as well as our shared bills. When I had to suddenly take over everything financial for me and her, I was so stressed out and overwhelmed, besides being younger than her and not old enough to yet know anything about or have to deal with retirement accounts and taxes, including annual RMDs, that the first year I filed our taxes, I forgot to include her RMD income, so the IRS penalized us for that. I just payed it and didn't bother contacting them to explain the reason for the oversight, as our accountant said it wouldn't make any diff anyway on how much the penalty was or if they would waive it. The penalty amounted to what we would have payed anyway if we had listed the income on the return.