Taxpayer & Spouse last contributed to Roths around 20 yrs ago. Since then only contributed to TIRA's. In 2024 we did Roth conversions. Reviewing my completed but not yet filed 24 return, the "IRA Info Worksheet" Part II, Part V, line 51 contain a number of unknown origin for "Cumulative Contribution Basis". It is a tiny fraction of what we converted on this return, I did not enter these numbers myself, and all prior returns back to 2005 contain NO Entries of any kind for a Roth. We have been taking TIRA rmd's for 5 years. We have never taken a distribution from a Roth.
1) How specifically did these numbers generated by TTax?
1a) Perhaps TTax generated them while adjusting TIRA basis for prior deductible contributions? If so I cannot find the math to back this up and anyway how would this relate to a Roth?
2) It appears that I need to reconstruct the past to maintain a Roth basis. Does this require an amended return?
3) I'm under the impression that distributions from a Roth are tax free so why is a basis even needed?
Thanks in advance for your help in this odd matter.
