Thanks for the help, but I am still a little confused. Let me lay out an example that mirrors my situation.
I have contributed to a total of $58,000 To my Roth IRA. I have contributed a total of $120,000 to my Roth 401k.
Over the years I have rolled over $75,000 from my Roth 401k to my Roth IRA. Last year, as I 66 and retired, I withdrew, for the first time, $32,000 from my Roth IRA.
So, what is the answer to the question What counts as a "Prior Year Roth IRA Contributions"?
Is it $58,000 or is it $58,000 + $75,000 = $133,000?
And, when I take money out of my Roth 401k, this year, is the answer for next year $120,000 - $75,000 = $45,000 or $120,000?
