是这样的， 1040instruction 里明确写了,须填8606 form。这样至少比把这钱放入现金交易账号划算。看我下面给

2020 Instruction 1040 (irs.gov)

If you were covered by a retirement plan (qualified pension, profit-sharing (including 401(k)), annuity, SEP, SIMPLE, etc.) at work or through self-employment, your IRA deduction may be reduced or eliminated. But you can still make contributions to an IRA even if you can't deduct them. In any case, the income earned on your IRA contributions isn't taxed until it is paid to you

IRA Deduction

If you made any nondeductible contributions to a traditional individual retirement arrangement (IRA) for 2020, you must report them on Form 8606.