Compare the numbers on your 1040 with those sent by the IRS to find the problem.
The IRS imposes different contribution limits for different retirement plans, and they often change.
You won't owe taxes if you pay fees from your IRA, but there may be a better tax break.
The distributions you must take from the inherited IRAs likely won't impact your tax credit.
You'll get credit for the taxes you paid on the withdrawal, but it may not be enough.