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I have a tiny sliver of non-deductible money in the 401k (like 0.5%). I understand that when doing a 401k-to-IRA rollover, you can roll the deductible money (plus match plus earnings...whatever never got taxed) into the IRA, and roll non-deductible contributions into a Roth.

After I retired my former employer notified me that they were going to move the 401k to a different provider. I decided to roll it over into an IRA with the current provider. I too had a minuscule amount that was already taxed. I do not recall being offered the ROTH option. I just took it as cash.

In any case, the whole thing went fine for me, and for the first time I was able to invest in individual stocks. I joined TMF Stock Advisor. Within six months I had moved entirely from funds to stocks.
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