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Investors & landlords
There is no way to “cherry pick” your withdrawals and take out only the non-deductible contributions.
If you have multiple IRAs, then yes, any remaining non-deductible contributions will be transferred your other, non-inherited IRAs, once you close the inherited IRA.
If your mother’s IRA is the only one you have, then the remaining non-deductible contribution would be withdrawn with the rest of the account.
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February 25, 2021
7:42 PM