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>> But while we're on the topic, I've not heard of filing a form for Roth IRA contributions either. Is there one for them which I should have been filing? <<

There's no requirement to file anything with the IRS. Plus, once you've reached age 59.5 and you've had that particular Roth open for at least five years, it becomes moot as to which dollars are contributed and which are not.

Still, it's a good idea to know what your Roth *contributions* are, because if you need to tap into the Roth before age 59.5, you want to know what portion you can take out tax-free and penalty-free. Of course, premature withdrawal from a retirement account is almost never a good idea, but you never know when a calamity might strike and it's the last line of defense between you and bankruptcy or foreclosure.

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