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I am sure others will tell you. But, you will not be able to separate deductible/non-deductible IRA monies to prevent paying taxes on the deductible portion. You must aggregate all traditional IRA monies together and if some is non-deductible calculate the percentage of the total amount. For example, you have $10,000 IRA with the $2,200 non-deductible contributions. You have to pay taxes of 78% on each $1 dollar. You cannot remove the to $2,200 and not pay taxes. It would be nice, but Uncle Sam will be waiting for their portion of the money distributed from a traditional IRA. The only good news if you have a traditional and Roth IRA the Roth is not included in the calculation. Since the ROTH is tax-free.
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