Retirement tax questions

10-4.  That should work in your case.  If you make non-deductible contributions to a separate, non-inherited IRA, you still must file 8606 for that IRA.  This is part of what is getting hozed up.  Hopefully, either TT will wake up and fix the issues or I'll be able to fiddle with the figures somehow on the raw forms to avoid the red !.  I know I saw one on my 8606 earlier.  :(  Stay safe, stay alive!  Peace.