scruffy
your answer was extremely helpful. And very coherent!
I have a follow up Q. My nondeductible (for state purposes) IRA account has been merged with other IRA accounts that I did get deductions on in my state. I’m now getting RMDs on the combined IRAs but the basis only applies to the non deductible state portion of the combined IRA. I’ve kept track of all the numbers so I know the basis of the nondeductible IRA Can I use the basis against the entire IRA distribution even though it technically only applies to a portion of the distribution? Or should I only deduct the basis against the portion of the RMD that is attributable, if I can figure it out, to the nondeductible IRA?
