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Thanks again, Opus17. I am very impressed with your patience and diligence trying to explain this to me. I think I understand the principle of backdoor Roth IRA conversion, I was just confused that I couldn't convert by the regular tax filing deadline - looks like I can do it at any time if the contribution was non-deductible.

 

So, to summarize, I have contributed 6k after tax dollars to my Traditional IRA, and I can convert now to Roth, and that will work fine for tax year 2022. I will report the 2022 non-deductible traditional IRA contribution on my return. I have no other IRA contributions. Same situation for my wife, we are married, filing jointly.    

 

I hope I was getting this correctly - appreciate all your help.