I completed return as you suggested and created 2 substitute 1099 R forms, one of me and one for my husband. It resulted an additional tax (6% on one of our excess contributions, I can't tell if it is from mine or my husband's, but only one of ours) as additional tax. Since the withdrawals were timely, we should not have this 6% (in addition, we both are over 59 1/2, no penalty even if it is regular distribution). So I am not sure why and what went wrong with the Turbo Tax. It did not do that for both 1099R sub form, only for one. The difference here is it is my contribution in 2023, withdraw in 2024, and his contribution in 2024 and distribution in 2024. Is there a bug in Turbo Tax or did I miss a code? I used code 8 for both forms.
Unfortunately, I did not find this out until after I filed the tax. Now I will need to do an amendment. Sigh.
