Yeah. As part of buying a house a few years ago, I prematurely drained a couple of small 401k accounts from previous employers to pay for some repairs. That was in Feb-March. Then a year later when I was doing my taxes, I had received the appropriate 1099-whatever for only one of them - I either lost the other, or it didn't get forwarded to my new address- I don't know. And by that time, I had forgotten all about it. The following year (2015) I wound up getting whacked for under-reporting my income in 2014 (house purchase was 2013). It's annoying that since the IRS knew about this (the 401k company had reported it to them, of course), but I had long since forgotten. There must be a better way.