thnx @Opus 17
Yes, I am going to do quick conversion going forward from tIRA to rIRA right away.
And as you mentioned, this year its going to be $7000 (till now the current balance in tIRA + $6000(this yr).
But want to mention(as I have not clarified it earlier) that out of this $7000, on the $6000 I put in tIRA, it was counted as non-deductible contribution (as my income bracket did not allowed to get tax benefit, which I was not aware when I put the money in tIRA for 2020 tax yr, and the reason I put the money in tIRA is to get tax benefit - pure lack of knowledge and laziness).
Q: now if I convert $13000 ($7000 now, and $6000 after a month as I have time to do tIRA contribution for this yr), I have to pay tax on $1000 only, or on $7000
