Correct, the $6,000 you put into your IRA is funded with money that you pay ordinary income tax on. You then do a IRA to Roth IRA conversion with your retireme

Correct, the $6,000 you put into your IRA is funded with money that you pay ordinary income tax on. You then do a IRA to Roth IRA conversion with your retirement plan provider (Vanguard, Fidelity, etc). Then you file IRS form 8606 to report two things: - Nondeductible contributions you made to traditional IRAs. - Conversions from traditional IRAs to Roth IRAs. This is not financial advice, hire your own fiduciary financial advisor