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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.


It's certainly an option to take that pre-tax money as cash. Here's the article that I read describing what I wrote:
Q: I made after-tax contributions to my 401(k). When I retire, can I roll that money into a Roth IRA tax-free?
A: Yes. After-tax funds can be segregated from other funds in the account and transferred directly to a Roth IRA.

https://www.kiplinger.com/article/retirement/T046-C000-S002-...
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