I will have to look into that. So if you put money into a “non-deductible” IRA you can immediately convert it to a Roth? So you have to convert every year you make a contribution? What is the cost to convert it? I have a SEP IRA too as I run a small business.

I still think it is so bogus that they don’t take the income cap off the Roth. What a joke. $122k is peanuts in Cali.