Why was 100% of my IRA distributions taxable?

[SamS1]

In the year you make an IRA contribution, your income is decreased by the tax deductible portion of the contribution as an adjustment to income on your form1040.  You can see this reflected on 1040 Schedule 1,  line 19.  Therefore, when you take a distribution from your IRA the total amount is taxable income.  Now if you were not able to deduct all the contributions you made to your IRA due to income limitations, that portion would be considered a non-deductible contribution.  The amount of the non-taxable contribution would not be taxable income,  TurboTax asks the questions if you made any non-deductible contributions to your IRAs.  Additionally, a Roth IRA you contribute after tax dollars. The amount of your original contribution would not be taxable upon distribution. 

[ReNewOrleans]

Thanks, but none of my IRA contributions were deductible when I made them. All my IRA contributions were made after taxes. If your earnings exceed a threshold, you cannot deduct your traditional IRA contributions. If you pay taxes on 100% of your distributions, then you are paying taxes twice on the same $. I agree I should pay taxes on the earnings, just not on the original contribution amount again. I'll see if I can answer questions in TurboTax differently to see if this gets corrected.

[SamS1]

After you enter all your 1099Rs and are back at the summary page then Continue, you will see the non-deductible contribution screen.  Indicate Yes and you will be able to enter your basis (Non deductible contributions made).  

[ReNewOrleans]

Thank you. I'd thought it was asking if I'd made and tracked my non-deductible contributions in 2020 and I'd not made any contributions in 2020. I'm now realizing it must mean have you EVER made and tracked non-deductible contributions and the answer to that is yes.