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I have found an  error in turbotax desktop 2024

 

after this screen

Enter prior year roth ira contributions

   confirm: David net regular contributions prior to 2024 that remain in David's Roth IRA

  Roth IRA contributions  prior to 2024

 

i get a conversion and then an excess question....and then...because my contributions were less than the amount i removed <meaning i pulled out earnings>

 

next i go to the "Let's see if we can reduce your early withdraw penaly"

 

and i enter the entire amount of the 1099R as related to the disability

 

THE SYSTEM SHOULD NOT ONLY MAKE THIS PENALY FREE BUT ALSO TAX FREE. THATS EXPLICITY STATED IN THE IRS FORMS ...IF OPEN MORE THAN 5 YEARS AND PERMINANT DISABILITY TAX AND PENALTY FREE BUT YOUR SYSTEM IS CALCULATING TAX AND WAIVING THE PENALTY. WRONG.SEE IRS PUBLICATION WITH THE FLOW CHART.