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I currently have an IRA, an SEP-IRA (although they are both in one account, and I'm not clear on why they are not separated) and my husband will get a 401(k) in Jan. Can we also do a Roth IRA? I am also thinking about starting a ROTH IRA for my 11 year old son as a savings plan (NO passbook). What tax rate is he taxed at? Should I put it in my name?
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