" the Turbo Tax online version generated a 5498 form"
I don't know what that means. Forms 5498 are issued by IRA custodians, not by TurboTax.
Because TurboTax indicates that the resulting traditional IRA contribution is nondeductible, TurboTax automatically includes it on line 1 of the 2025 Form 8606 that is required to be present in your 2025 tax return. As I said previously, line 14 of this From 8606 will carry forward to line 2 of your 2026 From 8606.
