Active military shouldnt have a penalty, Ive asked tsp.gov themselves, turbo tax has no way around this on their website without forcing you to pay for a live agent
Military members can contribute to a Roth IRA or a Traditional IRA if they are eligible based on their income, filing status and having a retirement plan at work.
Contributions to a Traditional IRA when you have a retirement plan at work - https://www.irs.gov/retirement-plans/plan-participant-employee/2024-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work
Roth IRA contributions are not tax deductible
Contributions to a Roth IRA based on your filing status and income - https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-can-make-for-2024