Thanks for the suggestion.Don't have non-Roth accounts, but the down year is helping to avoid capital gains tax on my home that I sold this year for a modest ga...

Excellent.Thank you for the help.Not the first time I've looked for shadows that don't exist.: )

I don't think I'm confusing anything.I understand everything that has been said in response to my question.I just think I'm not making my question clear.I'm not...

Thank you for the response.Bit, what I was attempting to ask is whether I can have it both ways during this down year - no tax on Roth contribution AND post- co...