Thank you soooo much for the answers. It helps me a LOT; especially for the year-end balance issues. I am confused about what you wrote "so that you'll only have your basis in nondeductible traditional IRA contributions remaining to convert to Roth nontaxably". Yes, all the balance in our IRAs is Non-D basis + gain/growth. Does that mean we will not pay any tax when we convert to Backdoor Roth... even gain/growth? Thanks...
