- If you put the rest of the Traditional IRA ($15k) into the Roth IRA, does it matter that it happened in 2 separate transactions in the same year? Would you just be taxed on the 15k the same as if it was all done in one transaction, and do any gains affect this? It doesn't matter since it was all converted in the same tax year.
2. Since you already moved $5k into the Roth IRA, is it too late to roll the pre-tax funds into an employer 401k to bring the traditional IRA balance down to $0? Don't know on this ... let us see if @dmertz can weigh in on this matter.
