@Aussie
I will point out that the adjustments @dmertz is talking about to the Roth basis refers only to Turbotax's optional tracking of IRA basis. It does not get reported on any tax form. If you withdraw amounts in less than 5 years, it is up to you to self-certify that the amounts are considered "contributions" or "earnings" (and it is up to you to prove it if audited). Turbotax offers the ability to track your Roth basis and perform that calculation for you, but if you can track your basis separately, you don't have to use turbotax to track your basis. And if you make a withdrawal in less than 5 years and Turbotax thinks it is taxable because Turbotax has the wrong basis number, you can correct that when you need to.
