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 $20,000 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 the IRS, if Titus is in the 22% tax bracket