Because Turbo tax gives you a screen where they include 2021, 2022, and 2023 boxes for distributions you received and 2021 and 2022 are filled in from previous years taxes and those get deducted from your eligible contributions for 2023. turbo should not add these in because every year when i enter in distributions it also asks questions to figure out if it is from an inherited IRA and who it is from. So therefore the system knows and per the IRS publication on the issue, the last rule stated for distributions that do not reduce your contributions is RMD's from an inherited IRA from a nonspousal beneficiary. Turbo is setting me up for mistakes and has made the mistake for me the last two years.
