<prompt> Human: Here are the steps I took:1. Open tIRA with Schwab2. Transfer 5,500 of after-tax money to tIRA and leave it un-invested3. Wait 1-2 weeks4. Call Schwab to convert tIRA to Roth5. Turns out tIRA had earned 12 cents of interest during this time, so the balance became 5,500.126. To do the conversion, they had me open a Roth IRA7. Then they moved the 5,500 to my Roth account for me, but left the 12 cents in tIRA so the account doesnt auto close according to the repNow what? Ive read on many various sites that it is bad to have a balance in tIRA and that II must always do a 100 conversion of tIRA to Roth. Am I completely screwed? Do I withdraw the 12 cents? Or can I move that to Roth as well?Thanks!  <response>: It wont matter because itll round to zero. Even if it wasnt below 50 cents, its not strictly necessary to have a zero tIRA balance at the end anyway, but if youre leaving a significant chunk behind the tax benefits become more questionable. If you had even a few tens of dollars behind though the effect would be marginal at most. 