才发现这个好帖子。昨天在版上发帖问了个问题，到这里来再问一遍。

2011年我开了个traditional non-deductible IRA, 往里放了5000块钱，之后把钱全部convert到Roth IRA里了。在这之前我没有Roth IRA帐号。

最近我用TurboTax报税，在income section填了这个IRA的1099－R表后，Federal Tax Due就涨了2000多. 放在traditional IRA里的5000块钱是我税后的钱，怎么会又要交一次税呢？感觉不太对劲。

另外TurboTax还说，
  Your income is too high to contribute Roth IRA, You currently have a penalty.
  Because you made an excess contribution of $5000 to your Roth IRA, you will owe a 6%
penalty ($265) each year that excess money remains in the IRA.
  But don't worry. You can remove this penalty by taking action before April 17, 2012.

去年不是不管income如何都可以convert traditional IRA到Roth IRA吗？不是这样吗？