不对吧，这7k/8k是没有收入限制的。就叫nondeductible contribution, chatGPT:

来源: 于 2024-12-27 10:59:39 [旧帖] [给我悄悄话] 本文已被阅读：次

Rules for After-Tax Contributions:

  1. Contribution Limit:
    • In 2024, the maximum contribution is $6,500 (or $7,500 if age 50 or older), or your earned income, whichever is less.
  2. No Income Limit:
    • Regardless of how high your income is, you can make nondeductible contributions to a Traditional IRA.