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"Why are you setting this up as a polarized Roth vs. Traditional debate? You can have both. You can contribute to one or the other -- or both -- as you see fit (and the laws allow) in any given year."

You're right. I was trying to keep things simple by focusing on one IRA account (an index fund), but I guess that doesn't preclude having two accounts for the same fund, one Roth and the other traditional.

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