I think it depends on wheter it is a Roth IRA or not...I have a question about filing taxes. Where I work we use to have a 401k plan I chose the pretax ira option. Since we do our own payroll we no longer have a 401k plan. What my question is do I have to include the amount thats in my ira on my 1040 ez forum?? I havent taken the money out of the ira.