Many thanks for your responses, Ted and Pixy! They were very helpful and clear. 100% of the funds in my new custodial traditional IRA are from the 403b rollover. And, no, I haven't made any contributions to an IRA for 1998 as I wanted to first stabilize my budget around a decision I made to make the maximum allowable contribution to a 401K. It seems so "simple" now that I understand. That is, the issue of rolling some of the new traditional IRA funds over into a Roth is "an apple"; and whether or not I make a $2,000 contribution to a Roth for 1998 and 1999 is "an orange". In theory, I have the option to do either, neither, or both. More to think about. The tax rate information should have been obvious to me, but oh well, a brain can skip a few beats every now and then (at least mine can). That (the tax rate issue) will probably sway me in the direction of starting my Roth with current salary funds, beginning in 1999. Every once in awhile I have to "pull in the reins", take a deep breath, and remind myself I'll "get there", and probably in better shape if I take my time and pace this financial reconstructive process. Thanks again.Zero
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