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Hi, lizquierdo, and welcome. Are you left-handed, by any chance? No importa...

when you recieve your salary already taxed by the employer, Is there any advantage or disadvantage to create an IRA?

If you can stand to read one more reply...

Your employer isn't really taxing you. They're just acting as the agent for the Federal and State governments, withholding taxes and sending the money to the IRS and your state Revenue Dept. When you file a tax return next year, you compare what was withheld to what your actual tax for 1999 is. You either pay the rest of what you owe, or get a refund, if too much was withheld. If you open a Regular IRA, you get to subtract those dollars from your income. This should reduce your taxes some.

This long-winded explanation covers just one aspect of IRA's. There's a lot more to it, as pointed out by earlier posters in this thread.

Good luck!

Michael
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