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My husband opened a Traditional IRA with $2000 for the tax year 1999. At the time we thought this would be deductible, but it turns out it wasn't, because he did one day of union work in 1999 for which he was eligible for pension benefits. A nasty surprise, but we just had to suck it up. He has continued making regular small contributions since April, in after-tax dollars, of course.

My question is this: Since this IRA was completely funded with after-tax money (the original contribution was non-deductible) would it be taxed again if he were to roll it over into a Roth IRA? Or does it make no difference?

Thanks in advance for replies.

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