@EvanED:My guess from what you said originally is that it won't apply -- the Roth is all I have.And you'd be wrong. Someone with no pre-tax money in a traditional IRA is the ideal candidate for the "back door" Roth contribution.Alas, I was also wrong. It was only as I was typing this response that I remembered that your employer is going to be making SEP contributions. That means you will have pre-tax money in a traditional IRA and the strategy I was thinking of won't work.So that this conversation isn't a total waste I'll remind you that once the money is in your SEP you can treat it the same as money you'd contributed. IOW, if you don't like the investment choices you have at that custodian you can move it where you want. You can read more about SEPs in IRS Publications 560 and 590.Congratulations on your upcoming degree, and here's hoping that your new home, leased or bought, works out well.PhilRule Your Retirement Home Fool
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