Dear Pixy, I'm above 63 K in income and can only make nondeductible IRA contributions. If I set up a nondeductible IRA account, when I distribute would I have to count my deductible SEP IRA distributions to figure out how much is taxable and how much is return of principal? Or can I just count my nondeductible IRA separate to figure out how much is taxable and how much is return of principle?
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