@VAer - a few comments
1) the IRS is not going to let you move ONLY the non-deductible dollars to the Roth and then leave you with a tax free benefit for the next 30-50 years while the deductible dollars remain in the Trad IRA until you have to begin RMDs.. The IRS would get nothing for all those years until the RMD begins
2) let's say all the dollars invested into the Trad IRA are non-deductible and grows over time. The part that 'grows' - the capital gains, dividends, etc. has not been taxed and must be when distributed, so those dollars need to be distributed at the same rate as the non-deductible dollars when flipping to a Roth,
The Fed wants their money and finds ways to get it from you!
@Critter-3 - are the taxable dollars subject to the 10% penalty if under 59.5 years old?????
