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You mention that you have a traditional IRA, but you don't say anything about its pre/post tax composition

It's mostly pre-tax, but there is some after-tax included now. Definitely not clear-cut, and at the moment don't know how to determine the split. Hindsight would have been to put that in a separate after-tax IRA.

I'll go ahead and contribute the full amount now to my traditional IRAs, which will probably be non-deductible.
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