No. of Recommendations: 0
After Tax IRA: Keep this as a completely separate account. Mixing with a pre tax IRA or Rollover from pre tax source will create an accounting nightmare.

You were doing fine until here. This bit is just wrong.

If you make any after-tax contributions to any traditional IRA, you will have to track that forever. From a tax standpoint, you have to add all of your traditional IRAs together and consider them as one when making withdrawals after you have made any non-deductible IRA contributions.

--Peter
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