ThomasM
New Member

Retirement tax questions

Assuming you never contributed more than allowed for a given year, then you're fine.  Roth IRAs are funded with after-tax dollars (money that's yours that you already paid tax on), and the tax benefit comes later -- when you take a distribution, none of the distribution is taxable (subject to certain requirements).

So if you haven't withdrawn any money from the account and it's just been sitting there, then you haven't had to report anything on your tax returns.

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