就是如果你在IRA账户里有税前也有税后contributions的话,不要以为光把税后部分转成Roth就可以不交税。具体请看:
https://www.irahelp.com/slottreport/4-things-know-about-roth-ira-conversions-and-pro-rata-rule
结论:别把税后钱放入IRA(就是说 when you are not eligible for tax-deductible traditional IRA contribution),然后想着可以全部免税concert to Roth IRA