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I missed that. 

 

Then your 2020 year end would be $6,000.  

 

Correction:

 

 

Part of the conversions WILL be taxable because you added to the IRA in 2020 so the year end value was not zero.

 

 

**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**

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