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Subject:  Re: 401k max and and Roth Date:  5/4/2013  11:00 PM
Author:  aj485 Number:  72202 of 88775

and every withdrawal could be some combination of all three?

If you have non-deductible contributions, pre-tax/deductible contributions and earnings in your universe of IRA holdings, every withdrawal IS a combination of all three. That's true even if you aren't withdrawing from an account that actually had non-deductible contributions, as every IRA withdrawal is based on your overall IRA holdings, not the holdings in a particular account.

Form 8606 (which should have been filed when the first non-deductible contribution was made) is for 'keeping track'.

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