Thank you Annette for your quick response. None of these have ever been Roth IRAs. You said, "the entire non-deductible contribution would not simply be subtracted from your distribution." Does that mean Turbotax will keep track from year to year how much of my non-deductible contribution is left? Also, on the next Turbotax question it asked to list the total value of all IRAs as of 31 Dec 2020. When I entered that amount, almost the entire savings was wiped out. Is there a max income where I no longer get the advantage of making a non-deductible contribution? Thank you
