That makes sense, I agree on taking the rigorous approach. I just need to confirm some key facts:
Regarding withdrawing a non-deductible traditional contribution IRA before the tax due date in a year that it was not made in excess: is that just a normal early withdrawal of traditional IRA money and should have been treated as such?
if you do all the other parts of a 60 day rollover/roth conversion but you don’t tell the receiving institution, did you actually do a rollover?
thank you
