Before you make nondeductible contributions to a traditional IRA, aren't there a couple of other caveats ? It seems like it can complicate withdrawals and if you want to roll money back to an employer plan later. It complicates withdrawals only if you didnt comprehend long division in 5th grade (in my day), and they've fixed the law that gave rise to the potential problems with rollovers to employer plans.PhilRule Your Retirement Home Fool
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