Thanks @AnnetteB6 and @fanfare for the suggestions. I now see a little more clearly how the interview questions are split between the income and deduction sections.
I did leave some detail out that might be complicating things even more for myself.
--> Original IRA funded in 2008 with X amount of non-deductible (post tax) contributions.
--> In 2021, that original IRA (X = amount above + Y = amount in market gain) was rolled to another IRA with my advisor.
--> Also in 2021, my advisor converted the full value of the original IRA (X + Y) along with another 6K of non-deductible contributions for the 2021 tax year to a roth IRA. The 1099-R supplied by my advisor shows the full value (X+Y+6K) as the gross distribution, and it marks this as taxable. Though the taxable amount not determined box is checked, box 7 shows a code 2 for distribution, and the IRA/SEP/Simple box is checked.
In my simple understanding, I should rightfully owe tax on everything in the distribution that was not a non-deductible contribution (i.e. market gain). However when I run through the interview questions, TurboTax seems to keep coming up with oddball numbers as the taxable portion. Looking into the forms deeper, it looks like it's doing a calculation to only allow a portion of the non-deductible contributions (basis) to be counted as non-taxable for the distribution covered in the 1099-R.
To me, it seems like I'm getting double taxed on those non-deductible contributions. I'm not sure if this is because of the timelines involved, or if it's due to being over the MAGI limit. I tried tinkering with the forms directly to see if I could make the numbers work the way I thought they should, but quickly got in over my head.
