Retirement tax questions

Thanks, dmertz!   

 

I think I updated the original post as you were writing.  I missed the part in your 2nd paragraph.  As I noted in my updated post, the instructions for the Backdoor Roth also lacked that 2nd part.  I hope someone updates them so the next person will save a couple hours of their time.

 

Appreciate that you took the time to write; had I stopped looking after posting and waited for your response, it would have saved me a couple hours of digging!  🙂