Good advice. >>SIMPLE-IRAs require little in the way of administrative costs, also. Vanguard SIMPLE IRAs are great. My parents have them. Only problem is you can't combine them with your other TIRAs, so you end up with at least 4 accounts- Roth, TIRA, Taxable, and SIMPLE.>>One can defer 8k in salary in 2003 in addition to funding a Roth.9K if over 50. Nick
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