TT is saying Roth contribution is too high and that my income is zero. I have a 1099-NEC.

You may have entered your 1099-NEC wrong.

You can only make a Roth contribution if you have earned income. In most cases, a 1099-NEC is considered self-employment (earned income). 

There is a way to enter a Form 1099-NEC into TurboTax as "other income" meaning it is not earned income (money earned for performing a service for profit). If you enter your 1099-NEC that way, it will not count for a Roth contribution.

Check your 1099-NEC

1. Type 1099-nec in Search in the top right
2. Select Jump to 1099-nec
3. Select Edit on the 1099-NEC Summary
4. None of these apply to me should be selected on Does one of these uncommon situations apply?
5. You should see a business on Self-employed 1099-NEC income

To verify this, tap Income & Expenses at the top. On Your income and expenses you should see Self-employment income and expenses (includes 1099 info)

Do you have a Net Profit on Schedule C?  You need a profit to count as earned income.

For an IRA contribution.  If you only have self-employment income you can only contribute up to your net profit reduced by the deduction allowed for one-half of your self-employment taxes.  See IRS publication 590 http://www.irs.gov/pub/irs-pdf/p590a.pdf

So check 1040 Schedule 1 line 15.  You have to deduct that amount from your Schedule C Net Profit.  That will give you the allowed contribution for the 1099NEC income.

I'm not sure what schedule you are looking at there, but you can look on your schedule 1, line 3 to see if you have any net income from self-employment, and let us know what you see there. If not, then that would explain why you can't do an IRA contribution, since you have no earned income.

You can view your form 1040 while working in the online version of TurboTax by following these steps:

While working on your return in the Federal section of TurboTax:

   1.  Choose the Tax Tools icon on your left menu bar

   2.  Tools

   3.  View Tax Summary

   4.  Choose the Preview my 1040 on your left menu bar

@sharkteeth