Thanks for your guidance so far. I think my backdoor IRA entries are fine and making sense. For my spouse, it seems to be a bit more complex. We converted all her traditional IRA (from 2012-14) to Roth IRA as step 1 in 2024. Then as step 2 we did a backdoor Roth for her before EOY 2024 (but we had moved all her 2012-14 to Roth few days before already). Should we not be paying tax only on the 2012-14 transfer at our current tax rate? I am not sure if that is allowed, or how else could we pay the proper taxes? (does her situation trigger pro rata?)
Thanks! @Ann
