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I guess, for now, what I'm thinking is that the money for the traditional IRA came from *somewhere* and if the amount isn't deducted on my 1040's then whatever that amount is had to have been paid for with after-tax dollars. The question is, what portion of that $30K is in contributions?

I have kept my tax records for the last 25 or so years, but I'm one of those people who dread the subjects of taxes and accounting so I've always had taxes done for me. To date, nobody has ever mentioned filing a form for a non-deductible IRA contribution. I'm going to dig back through everything in those tax records maybe just by happenstance I have some information on contributions but I highly doubt it.

Since IRA contributions were $3K/yr (at least as I recall), my SWAG is that $15K of the total $51 is contributions. I don't think that's an unreasonable number, but I'd have a hard time substantiating it. (I haven't made a contribution to a traditional IRA in over a decade and any number of funds ago.)

But while we're on the topic, I've not heard of filing a form for Roth IRA contributions either. Is there one for them which I should have been filing?

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