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Thank you for response.  That is textbook answer & I appreciate it.  However, it doesn't answer my question.

 

My earned income on my 2019 W-2 shows $6666, so I should be able to contribute up to that amount without excess.

 

My non-taxable shows $15K, of which $9K went in to traditional 401K.

 

Turbo tax says I can only contribute $6K of the $9K contributed Roth IRA amount & I am in excess of $2665 (difference of these 2).  The 9K is not Roth IRA; it is traditional 401K.