Your concern is valid

来源: 2020-02-17 05:07:23 [博客] [旧帖] [给我悄悄话] 本文已被阅读:

But there is a solution: http://skloff.com/iras-avoid-double-taxation-on-withdrawals-080116/

Use IRS form 8606 for good record keeping. When you withdraw principal without earning, it is tax free.

when you covert it to Roth, you also need this contribution base to avoid tax.