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Its a minor point, but your choice of words was not quite accurate.

Thanks for the correction, pauleckler. You're absolutely correct about after-tax contributions to your 401k. I guess I need to start writing for "every possible case" instead of "the most common case".

As best I understand it, when you roll over after-tax 401k contributions to your IRA, it is treated similarly to non-deductible contributions for tax purposes.

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