But the amount on that page (Enter Prior Year Roth IRA Contributions) seems to be asking me for the net of my contributions AND distributions. I have withdrawn money from my Roth IRA...a lot. In fact, my withdrawals exceed my contributions, which means I've benefitted from the earnings as well. For example, if I had contributed $50,000 through the end of 2018 and withdrawn $58,000 during that same time period, I would have a negative number. That's why I think I am going to have to put "0" in the blank and end up paying a hefty penalty. Isn't that correct?
