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I'd like to think my analysis actually concluded that it was better to keep tax-deferred and non tax-deferred savings in separate accounts. (No Form 8606, for instance.)

Not sure what you mean here.

Tax-deferred will be in the trad IRA. Non tax-deferred will be in a taxable account.

If you are speaking only of contributions, taking the deduction or not, you need to understand all traditional accounts for an individual are treated as a whole for calculations on the 8606. Splitting pre-tax and post-tax contributions between two separate traditional IRAs does not make a difference.

Yes, I know. To clarify, no post-tax contributions were made to my traditional IRA. For my 401k, I only contributed enough to get the full employer match.

Ratio ~
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