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Thanks for the response...

A couple of questions and notes:

1. My employer does NOT match funds at all. And currently has no plans to do so.

2. I was under the impression that I could only contribute $2000 per year in an IRA.

3. Isn't a ROTH IRA an account with Taxable $$? What is the disadvantage to not having money taken out of my paycheck before taxes here? We are talking $12,000+ per year...

Thanks for the help,

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