Thank you for the explanation and your reminder about 2018. Indeed, I didn't file 8606 form for 2018 IRA. Somehow that part never came up when I went through Turbo Tax , it also didn't came up for 2019, I had to search for it. And when I enter the non-deductible for 2019 it seems to fix the extra taxable income, so that's good.
To fix the 2018 tax, do I amend 2018 tax or just file a 8606 form ?
Thanks again , really appreciate your help!
