"Mostly the same and none have any after tax dollars, "
You have a basis (after tax dollars) in your IRA as far as NJ is concerned because you did not/could not deduct IRA contributions from your NJ taxable income in all those past years.
Those are unrecovered.
See Worksheet C in the NJ Resident Return Instructions for how to avoid double taxation on that money (i.e. recover it) when you withdraw from your IRA.
By NJ formulas, the contributions are recovered fractionally over the lifetime of the IRA.
@5flavors
