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I have no traditional IRA lying around, I make non-deductible annual contributions ever year but then immediately convert the balance to Roth, so there are no taxes due on the conversion.

My 401k plan reps said that if I withdrew or rolled over the after-tax portion, some earnings would come along. I have gotten several answers from different reps about the exact formula. I am just going to have to do it for the first time this coming january and see what actually happens when I do this rollover. I would very much love it if no earnings came along ;).
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