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Pixy, you say "Any after-tax money in your plans may not be transferred to an IRA. You will receive any after-tax money from the plan(s) free of tax and can do with it what you wish."

My question: what about the EARNINGS on the after-tax contributions? Is that included with the after-tax monies to be done with as one wishes, or is that included with the before-tax monies that are rolled over into an IRA?


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