Does the non-deductible IRA portion of the Traditional IRA function more or less like a Roth IRA, except that you can't isolate it but merely prorate it? Should I get in the habit of getting end of year numbers in case I want to get a distribution the following year, or is the basis based on the original ratios in 2018... noticed I don't get 5498s identifying FMV at year end unless I make a contribution for that year. Your responsiveness is amazing, and you are quite the asset to this community!
