New Jersey has been an issue since the state does not allow a deduction for IRA contributions and many people do not keep track of them.
Roth distributions are not includible in New Jersey income so any distribution will be tax free @TreeyD.
Your should report Roth contributions on your federal tax return every year even though they are not deductible. Additionally your Roth provider will send you and the IRS a Form 5498 showing your annual contributions.
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