I read 590 a, which led to 590b. I read all through it and couldn’t find (or couldn’t understand) it enough to confirm.
the problem I have is 2 very trustworthy tax experts are saying 2 different things. That is why I’m trying to find it from the IRS in black and white. …. The exact verbiage that confirms if a converted Roth distribution is taken before 5 years is up and the person is 60….they owe something or not.
I tried the IRS automated calculator. This seems to say I would owe tax for earnings but not the basis. But I’m not sure I answered the bot correctly
https://www.irs.gov/help/ita/is-the-distribution-from-my-roth-account-taxable
