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Author: mrmeyer Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 124931  
Subject: Re: 2010 IRA Contribution Limit Date: 3/16/2011 11:06 AM
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For accuracy, I looked up what I did last year.

I made a Roth contribution for my wife, partial due to income limitations. I made no contributions to either IRA for myself. I think I did this because the conversion rules were unfamiliar to me at the time.

Sorry for the confusion.

So I suspect I won't be eligible for any deductible IRA contribution. In that case, I think I go ahead and make full non-deductible contributions to my traditional IRA's and then convert them to the Roth IRA.

Since I have both traditional deductible IRA account and Roth IRA accounts, making a non-deductible IRA contribution to convert to a Roth confuses me. Can I deposit $6000 directly to the traditional IRA account and convert it to the Roth the same day without additional tax complications? I'm not sure I understand what it means that the IRS will treat this as a conversion of a percentage of my traditional IRA since the IRS views all my IRA accounts as a single IRA.
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