Your concern is valid

本帖于 2020-02-17 05:09:09 时间, 由普通用户 越王剑 编辑
回答: 请问教Traditional IRA tax deduction.股海牛鱼2020-02-16 21:17:31

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.

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