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Retirement tax questions
Before responding to your last paragraph in which you discuss your Roth IRA contribution of $6,000, let's review your comment regarding your non-deductible IRA contribution. You indicated that you had selected "yes" in response to the question whether you had effected any non-deductible IRA contributions. However, you also indicated that you do not have Form 8606 which is the form that tracks non-deductible contributions. While you may not have Form 8606, you can determine without that form whether you had made any non-deductible contributions by reviewing your prior year tax return.
Your prior year tax return (or any tax year in which you know you made an IRA contribution) will show, assuming you made an IRA contribution, whether that IRA contribution was deductible or not. For example, if you made an IRA contribution in the amount of $6,000 in 2020, and that contribution allowed you to deduct $6,000 on your return, then that IRA contribution was a deductible contribution. If the opposite was true, in that you made the $6,000 IRA contribution, but for whatever reason (you have a retirement plan with your employer) you could not deduct this amount on your return, then such a contribution would be a non-deductible contribution.
Review your prior year(s) tax returns and try to determine whether any IRA contributions were non-deductible. Knowing which ones were non-deductible will help in deciding whether any of the money withdrawn from your traditional IRA is taxable. As a reminder, when following-up with another post, do not include personal identifiable information.
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