If I contributed $4K to a Roth 15 years ago, withdrew $5K 5 years ago and then took out the remaining earned balance in 2021 closing the account, what am I supposed to enter as IRA contributions prior to 2021?
You will enter $0 as net contributions because you withdrew the $4,000 contribution when you made the $5,000 withdrawal 5 years ago.
So similarly my wife also had opened up a Roth at the same time 20 years ago with $4k and never took a distribution until 2021 where she it all and closed the account. Would her prior contribution just be $4K?