In both cases contributions are after-tax, but all future growth and withdrawals from a Roth IRA are tax-free, whereas the withdrawal of growth from a non-deductible Traditional IRA is taxable as income. ... A Roth IRA has an income limit for contribution, whereas a non-deductible Traditional IRA does not.
In both cases contributions are after-tax, but all future growth and withdrawals from a Roth IRA are tax-free, whereas the withdrawal of growth from a non-deductible Traditional IRA is taxable as income. ... A Roth IRA has an income limit for contribution, whereas a non-deductible Traditional IRA does not.
Otherwise you have to pay gain from 传统的IRA
如果pro-rata rule based on overall IRA at the end of year, 那就要看值不值了。
Pro rate your $6000, and pay tax. 我觉得这个pro rate paperwork 太麻烦了，算了吧
https://rodgers-associates.com/blog/pro-rata-rule/