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My husband recently accepted a new job and is now looking at rolling-over the 401K from his old company. Currently, it is valued at about $20,000. I am wondering what are the pros and cons of choosing a traditional IRA vs a ROTH. We can pay the taxes out of pocket for the ROTH conversion, but I'm not sure it's worthwhile to pay for a tax-free benefit that may or may not be available by the time we retire in 35+ years. Any thoughts?

- Beth
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