Yes, thank you. That is it. Prior to your response, I found a way to enter the $250 that was contributed to the Roth in 2025. TT only asked me about contributions prior to 2025 ($1750). Since the 2025 contribution of $250 wasn't there, $86 of the 1836.84 was being taxed as it exceeded the $1750 and appeared to be earnings.
Now the problem is that New York State is still taxing the distribution (and apparently assessing a penalty) but they follow the feds so it should not be.
