When you have multiple IRA accounts, they will all be treated as one account when determining the tax consequences of any distributions (including a distribution out of the account for a Roth conversion).
Because the standard rule for IRA distributions is that any after-tax contributions come out along with any pre-tax assets (whether from contributions or growth) on a pro-rata basis, when all the accounts are aggregated together, it becomes impossible to just withdraw the non-deductible IRA.
Suppose you have a balance in your IRA account of $206,000 (including the non-deductible $6,000 contribution in 2020), the return-of-after-tax portion will be only $6,000/$206,000 = 2.91%. Most of the distribution will be taxable.
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
