dmertz Thank you for the terrific reply. You're right, it's not HSA- or QCD-related. I've got more digging to do on your point 3.
- Line 6 (YE2023 values) of form 8606 has the correct amount. My traditional IRAs do not have zero balance as of YE2023.
- Line 7 of form 8606 has the correct amount of distributions. It's much lower than my basis.
- Line 15c of form 8606 (taxable amount) is zero.
- But upon closer examination, line 2 of form 8606 (total basis in traditional IRAs) looks high, and I'll have to dig deeper to ensure the right number there for this year and future years.
