I'm talking about the long-term plan of what to have available in retirement. Not the shorter term planning of what to do this year.Sure but the OP asked about the conversion rules for a traditional IRA contribution made this coming year and the poster, JLC, said open a traditional IRA and don't convert. Your response said "Someone commented on keeping some traditional IRA money as well as the Roth. An excellent idea.". Since the OP was making a shorter term planning decision, I was making sure that she didn't decide not to convert based on JLC's advice. Your followup seemed to support JLC. For a short term plan of making a non-deductible traditional IRA in 2013, I don't see a reason not to convert 100% of the contribution.PSU
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