Is it worthwhile to make a nondeductible contribution?

That was a nondeductible contribution, so you feel you're entitled to a nontaxable distribution.

"You might even want to leave the money in as a nondeductible contribution."

But because you've already paid tax on the nondeductible contributions, it shouldn't get another bite of those amounts.

Any designated nondeductible contribution for the year made on behalf of the spouse with the greater compensation.

You must file Form 8606 to report nondeductible contributions even if you do not have to file a tax return for the year.

The amount you keep will generally be taxable (except for the part that is a return of nondeductible contributions).

These nondeductible contributions are not taxed when they are distributed to you.

Only the part of the distribution that represents nondeductible contributions and rolled over after-tax amounts (your cost basis) is tax free.

The outlook for nondeductible contributions is less clear.