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a Titus (age 40) works for the White Fish Corporation. Although Titus has a 401k account with his employer, he also has an IRA Roth

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a Titus (age 40) works for the White Fish Corporation. Although Titus has a 401k account with his employer, he also has an IRA Roth account that he set up 6 years ago. Titus has contributed $30,000 into the plan, and it is now worth $100,000. Titus always wanted to go to Alaska, so he withdrew $20,000 in 2020 from his IRA Roth account. What is the total tax and penalties Titus owes

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