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

来源: 云崖水暖 于 2024-12-27 10:59:39 [] [旧帖] [给我悄悄话] 阅读数 : (486 bytes)

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.

所有跟帖： 

• 你这是对的。但是， non-deductible的话就别放IRA了。放一般账户就是了 -CatcherInTheRye- ♂ 给 CatcherInTheRye 发送悄悄话 (0 bytes) () 12/27/2024 postreply 11:54:07

• 放IRA, 是为了转Roth啊！ -云崖水暖- ♂ 给 云崖水暖 发送悄悄话 (0 bytes) () 12/27/2024 postreply 12:47:36

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