Thanks for the reply.
So If I do not file a form 8606 and make these contributions deductible (how I've filed 2018-2020), won't I be double taxed once I withdraw since I am making these contributions post-tax? Or is that where the tax-break applies (IRA deduction, form 1040 line 19 under Adjustments to Income)?
I do not have an employer retirement plan currently. Every contribution I make, I have been making from my net paycheck
