I made a few non-deductible IRA contributions in the '90s, and submitted Forms 8606. These were never saved nor carried forward in any tax software.
Starting in 2017, I started taking IRA Distributions and doing Roth Conversions almost every year since. I just realized I should have been getting a (small) part of those tax-free.
What to do?
I think I can amend only the past 3 years, so can't go back and correct all this (but I could do 3 years).
What I want to do is just start claiming the tax-free part now. But I'm worried is there any chance I could have to forfeit the tax-free parts I could have already taken? I've only cheated myself by delaying this.
Thanks for any advice.
