@DanaB27
Thank you. So essentially if there was not a pro-rata rule and I had $0 nondeductible in the tIRA, if I converted the whole $16000 I would pay taxes on the whole $16000? So the pro-rata is a bad thing bc she will pay slightly more double taxes on a portion of the $4856 basis correct?
And people convert to Roth bc whatever is in there that earns is also tax free upon withdrawal, so would it make more sense to pay taxes on converting her traditional now (with pro-rata) without a job, have it grow tax free with earnings, vs being taxed with earnings if left in traditional at retirement?
thank you
