dmertz
Level 15

Get your taxes done using TurboTax

... and, since 2022 when the tax credit mentioned by Critter-3 became available, nothing has changed with regard to how Roth IRA contributions are handled (other than contribution limits).

 

Once you are over age 59½ and because it has been more than 5 years since your first Roth IRA contribution, your Roth IRAs will be qualified and you won't need to use Form 8606 to report distributions because the distributions will be entirely free of tax and penalty.