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Intercst writes:

<<That's correct. You do lump all your IRAs together to determine what percentage of the SEPP distribution is "non-taxable." (Assuming you have some tax-paid contributions residing in any of your IRAs.) However, you must actually withdraw your SEPP distribution from the IRA that you based your SEPP calculation on.>>

Okay. I was puzzled why you wrote the original comment, but then I noted that I didn't include the phrase "for the purposes of taxation" in the original response I made. Sorry for the confusion. :-)

It still doesn't change the response to the original comment about keeping deductible and nondeductible contributions in different IRAs, though. It matters not from whence the withdrawal comes. When there's a mix of contributions, part of the withdrawal will be taxed and part won't, and to determine those parts the IRAs are treated as one giant pool.

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