[quote=SK in CV]Oy. Don’t follow advice from people on the internet that don’t know what the F they’re talking about.

It does not matter whether you roll the 401K into an existing or a brand new IRA account. The computation for recovering non-deductible contributions is exactly the same. Having a separate IRA for the rollover won’t change anything.

There could be difference with the Roth 401k, but only having to do with the 5 year rule, and the order in which non-qualifying distributions are treated. (Non-qualifying distributions are those made before age 59 1/2 and/or less than 5 years after the Roth was created.) If all accounts were begun (Roth 401K and regular contributory Roth) more than 5 years before distributions and all distributions are after age 59 1/2, then it won’t make any difference.[/quote]

Thank you that’s what I thought about the Roth to Roth rollover. Just wanted confirmation.

The only reason why I wanted I keep money rolled from a traditional 401k into a separate rollover IRA account different from an IRA account that I contributed to with after tax dollars is because for me i thought it would be easier when I start taking distributions for it. I can assume account X is entirely pretax contributions while account B is with after tax contributions…in case I get more senile in my old age.