Thanks Dana,
As I said, I received both 1099-R's from Fidelity but each had a different code. I paid taxes on the one with code P and no tax on the other. TT and IRS seemed to be okay with everything. Whew!
Thank you all for your constructive feedback.
The moral of this story is; do not make tax-deferred IRA, Roth or HSA contributions if you are not working, i.e. no earned income. My DIY mistake.
