I have a Roth IRA and earned interest on it this year. Is that what you mean by "earned dividends?"

[MichaelL1 · Accepted solution]

No, as any income earned within the IRA is not shown on the tax return.

Interest and dividends earned outside of a retirement account is what is being asked in the question.  

The only time the retirement accounts impact the tax return is when money is put in the account or taken out of the account.