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After you file
Based on the information provided, only your direct contribution to the IRA in 2022 would be nondeductible.
Contributions to a Thrift Savings Plan (TSP) are generally deductible contributions. However, you wouldn't see them on your tax return as a separate deduction because these contributions are generally made through your employer and are deducted from your gross income on your W-2.
When you rolled the money in the TSP over to a traditional IRA, you didn't pay tax on it so the amount rolled over would not be considered nondeductible. However, the $1,000 that you contributed directly to the traditional IRA and didn't take a deduction for would be a nondeductible contribution.
‎January 27, 2025
5:26 AM