It does have asterisks on 8606 line 13 and 15c, and there is a worksheet "Taxable IRA Distribution Worksheet" where it adds my 2025 7000 contribution to IRA and 2024 7000 to $14,000 and divided by $7045. Since it is more than 1, it keeps it as 1 and then times $7000 distribution to form the nontaxable amount as $7000. I asked AI, it says this is some kind of aggregate rule. I am still very confused....
