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No harm, no foul, as long as everyone knows the rules.

I guess that's where my problem is.

I have found a common misunderstanding that keeping non-deductible IRA contributions in a separate IRA account allows you to only consider that account when making withdrawals. And, as you know, that's simply not true. You have to look at all of your IRAs once you've made any non-deductible contribution to any IRA.

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