Jug,
I seem to recall some IRS rule (I think you’re referring to that above) about having balances in TIRAs. The gist of it is, don’t keep money in them unless you absolutely have to, because it limits your ability to do backdoor conversions. I don’t remember exactly what the IRS rule was though. Can you decipher what I’m getting at with the limited and incomplete info I’ve given you? I gotta start writing this stuff down....