Thank you for the clarification.DW has a TIAA and I note an after-tax number on her statement. I also see a note at the bottom stating contributions are after tax but earnings may be taxable. Consult with a tax advisor.My TIAA statements show the amount that is after-tax
in my 403b. If yours do as well, you could use the end of year statement to determine the percentage of the withdrawal that was post-tax.
For IRAs you are likely going to depend on your own
records.
She only contributed $11K+ and her employer twice that many moons ago. The total account is now $274K and the after tax is well over $60K. I have yet to talk with TIAA but I’m pretty sure that only her contribution is after tax non-taxable and not the entire $60K+ they are showing. Have you spoken with TIAA yet about their record keeping prowess and their ability to tell you how much of your money is actually tax free?
I did not read the fine print. Since I only contributed after tax for the first year or two, my guess is that virtually all of my post tax is going to be taxable.
Thankfully, for me, it is a small amount, about $5K (presumably with earnings). If TIAA does not note after-tax contributions on a 1099,
I guess I'll end up paying more tax.
Intake for my job was half a day filling out all kinds of forms, with
Asset Allocation and pre/post taxes decisions having to be made quickly. I straightened everything out later.
Thanks!
Statistics: Posted by MathWizard — Thu Feb 12, 2026 2:53 pm — Replies 23 — Views 941