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AptQ258 OP t1_j2eriqs wrote

Reply to comment by 1hotjava in Does it make sense to convert a traditional IRA to a Roth IRA? by AptQ258

Yes. I should qualify that as "coming out of my pocket take home pay." Taxes are withheld from my paycheck.

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1hotjava t1_j2esxmn wrote

But if you take the deduction on your income tax then it’s pre-tax dollars going into the IRA. In that case a conversion would all be taxable as income. Generally it’s not very efficient to convert to Roth because of the initial tax drag.

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