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If I contribute the max to a Roth IRA ($3,000 at present) and contribute to a 401k, what happens when I roll the 401k over to an IRA? This would likely happen if the 401k is through my employer and I change jobs. It would seem I would be defeating the $3,000/yr limit on the Roth, since my IRA(s) would now have contributions that were greater than the annual limit. Thanks for the clarification.
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