不對吧，這7k/8k是沒有收入限製的。就叫nondeductible contribution, chatGPT:

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： 

• 你這是對的。但是， non-deductible的話就別放IRA了。放一般賬戶就是了 -CatcherInTheRye- ♂ (0 bytes) () 12/27/2024 postreply 11:54:07

• 放IRA, 是為了轉Roth啊！ -雲崖水暖- ♂ (0 bytes) () 12/27/2024 postreply 12:47:36