In February of 2019, I withdrew $34,000 from my Vanguard Roth IRA. None of this amount was earnings, only contributions with my last year of contributing to this fund back in 2010 (therefore all of it was older than five years). I am not 59 1/2 although this should not matter as I understand, since none of the withdrawal was earnings. I did in fact roll all of it into another Roth IRA in my wife's name, although as I understand this should not matter either, as the money is my original contributions to do with as I want. On my 1099-R, Box 7 shows a distribution code of "J." So in Turbo Tax under the Wages and Income section, if I choose "Did something else with it" instead of "Rolled it into another account," I get a hefty tax amount due. But if I choose "rolled it into another account," I am not taxed. Clearly I want to choose the untaxable choice, but my question is, did Vanguard assign me the wrong distribution code of "J" in Box 7 of my 1099-R? Should I just leave well enough alone and click "Rolled it into another account" even though it seems to me it should not matter what I did with my money, or should I contact Vanguard to issue me a corrected 1099-R?
