Thanks again for the insight. I too have records of all my contributions via payroll deductions into various employer's plans (nothing pre-1987). I had to roll them over since over the years, I've worked many places (some no longer in business) and didn't want to leave any of that money behind. I just wasn't aware that the contributions were taxed by NJ when made. I assumed since they were pre-tax for fed, the same was true for NJ. Since I still contribute to my current employer's 401k plan, I don't make separate contributions to my personal IRA.
I guess I'll deal with this when I retire and start taking RMD's too.
Thanks again for the help.
