@Critter-3 wrote:
The saver's credit is moot since there are IRA distributions on the return ... so the form 8880 is not allowed thus making a roth contribution is a waste.
@Critter-3 Thank you, yes you are correct about "Savers Credit" ineligibility in the event of IRA distribution. I confirmed on IRS website and link it here for the benefit of current and future audience.
"Rollover contributions do not qualify for the credit. Also, your eligible contributions may be reduced by any recent distributions you received from a retirement plan or IRA, or from an ABLE account."
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-save...
