A Roth contribution is always better than a nondeductible traditional contribution. It's one of the few no brainers in our simplified tax law.Phil I agree unless you are retired like me and your income is all from pensions. Then you're out of luck for a Roth. One of my pensions is taxed but that's not good enough for the IRS. It shouldn't matter. Income is income. But there's nothing I can do about it.Sandy
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