Thank you @DaveF1006 .
I will do so when time permits me.
I wonder if this is why I'm getting taxed on some of my contributions/principal. In answering the NJ questions at the end, I noticed this (I have a code "J" in which Vanguard said all 1099-Rs have a code J from them).
I'm guessing I need Vanguard to send a corrected 1099-R with no "J" in the distribution code?
Nonqualified Distributions are distributions not made under one of the four circumstances above and have Code J or T in box 7 of the 1099-R : or
Distributions made within the five-taxable-year period which began when you first contributed to your IRA.
If there is a Code T in box 7 of the 1099-R, and the distribution was made after the five-taxable-year period, it will be considered a qualified distribution and not taxable in New Jersey.
If there is a (1) Code J in box 7 of the 1099-R, and (2) the distribution was made after the five-taxable-year period, and (3) the distribution was allocated to a a first-time home buyer distribution as defined by the IRS, the home allocation will be considered a qualified distribution and not taxable in New Jersey.
