Calcium and Dairy. Foods classified by the USDA as dairy products supply calcium to the diet. Calcium is stored in your bones, which makes them dense. Too little calcium in your diet can increase your risk of developing low bone density and fractures.
For example, say that your traditional IRA has a cost basis of $30,000 and is worth $100,000 when you take a $10,000 withdrawal. That means 30 percent of the withdrawal comes out of your cost basis and is tax-free; 70 percent comes from the remainder of the account and is taxable.
Nondeductible IRA Disadvantages. The IRS restricts the maximum nondeductible contribution to your traditional IRA each year, so there's only so much you can put in. As of 2012, the maximum yearly amount is $5,000 ($6,000 if you're 50 and older).