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Since I have both traditional deductible IRA account and Roth IRA accounts, making a non-deductible IRA contribution to convert to a Roth confuses me. Can I deposit $6000 directly to the traditional IRA account and convert it to the Roth the same day without additional tax complications?


I'm not sure I understand what it means that the IRS will treat this as a conversion of a percentage of my traditional IRA since the IRS views all my IRA accounts as a single IRA.

It means that every distribution from any traditional IRA account, including conversions to Roth, is a mix of taxable and nontaxable amounts. You calculate those numbers in Part I of Form 8606.

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