@tcbushman , the question being asked is in regard to limitations that affect the Retirement Savings Contributions Credit, not anything about a Coronavirus-Related Distribution. The original question on this thread asked about a distribution from an IRA inherited by a non-spouse beneficiary, so your and your wife's situation is different. TurboTax does not carry forward the necessary information from your 2020 tax return, so if the he distribution that your wife received in 2020 was not rolled over, you must answer YES and be enter the amount on your wife's tax return and, if you are filing separately, also on your own tax return.
