AnnetteB6
Employee Tax Expert

Retirement tax questions

In general, using the 'backdoor' method of putting money in a Roth IRA is used when income limits prohibit making the Roth IRA contribution directly.  Similarly, income limits and retirement plan coverage will prohibit making a deductible Traditional IRA contribution.  

 

If you are not allowed to make a deductible Traditional IRA contribution due to income limits, then you will never see a question about making your contribution non-deductible.  It is already a given that it will be non-deductible since a deductible contribution is not allowed for your circumstance.  If all or a portion of your Traditional IRA contribution can be deducted, then you are given the choice to make it non-deductible instead.

 

So if you are not allowed to make a deductible Traditional IRA contribution, the default is that it is automatically non-deductible.

 

@wxlst6 

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