AnnetteB6
Expert Alumni

Deductions & credits

Entering zero if your Traditional IRA has other funds in it is not the correct thing to do.  If your Traditional IRA has other funds in it, those funds must be taken into account when taking any distribution from any of your Traditional IRA accounts.  

 

Every distribution from a Traditional IRA account is made up of a combination of pre-tax and after-tax money in the account.  You cannot pick and choose to take a distribution of only the after-tax money that was placed in the account for the purpose of the back-door Roth IRA conversion.  This is called the pro-rata rule.  

 

@Bristol-TP 

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