What is the difference between filing a 8606 and filing an amended return? does an amended return avoid the penalty?
I'm in the same boat as may - as I did my taxes on Turbo Tax each year, I never saw any indication that you must file the form even if there wasn't a deduction to be had.... so skipped it since I knew it wouldn't be deductible and thought that was the purpose of keeping your financial records! ("let's check for a deduction" didn't signal to me that I had to file regardless!)
