thank you for responding. I believe i did make taxable contributions at some point over the 40ish years that have passed since i started my ira. I don't have records going that far back. i don't even think the form 8606 existed. i have never filed an 8606 as i was never prompted as long as i've been using turbo tax. so when they are calculating my withdrawal 'non taxable' reduction, I'm not sure what they're using. apparently basic charts. how accurate is it? i suppose the risk of using it is that i may be double paying taxes on any non deductible contributions. I'm thinking do i need to reconstruct the years of contributions which would require requesting old t/r's and maybe investment accounts? Or should i simply accept what 8606 calculates? tia
