$6000 is only taxable if you withdraw. If that $6,000 was pre tax contribution, then it will be taxable in the year you withdraw along with bank interest. Taxable does not necessarily mean you will pay taxes. For example, your total taxable income (taxable retirement, taxable interest and any other taxable income) is $20,000 and you have itemized deduction of $20,000 or more, you taxable income will be zero since deduction will wipe out all that income and you will not pay any taxes. But let's say your total income is $30,000 instead of $20,000 and itemized deduction is still $20,000, you will only pay taxes on remaining $10,000.
Yes, you are correct, any charitable donations, miles driven will go on Schedule A.
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