A great tax expert at TurboTax figured out what I was doing wrong. When I selected that I had taken a qualified distribution in 2020, it asked for some info from my 2020 form. There were three lines asking for the value from line 9, line 10, then line 9 again. I think.
Anyway, the first one said enter the value, and then mentioned put zero if the box was checked on this line in your 2020 tax form. I did not put that value because I though the only option es zero or blank due to the wording and also due to them asking for the same thing on the third line. In actuality I needed to put the numerical value from that line. That fixed my problem instantly.
