I also forgot to add that you might want to consider an annuity. There are some relatively cheap ones--I believe Vanguard and TIAA-CREF offer ones that are not too expensive. In an annuity the contributions are not tax deductible, but the money does grow tax-free. When you begin withdrawals, you are taxed on a percentage basis of contributions/profits (you're not double-taxed on your contributions IOW).Keep in mind that your investment choices are limited in an annuity, and you are charged an extra annual fee that you wouldn't be charged in a taxable account. Please do a thorough investigation of what annuities are and how they work before investing. For many investors they are not suitable, but in a few cases, like those with high incomes who are saving/want to save a lot they can offer a way for the dollars to grow tax-free. I have one because, like you, I'm not eligible for a Roth, I've already maxed out my 401K and non-deductible TIRA, plus I save a substantial amount into a taxable account. I also consider it a way to gain more tax-conscious withdrawal flexibility during retirement.It's another thing to consider. You might want to read this thread:http://boards.fool.com/Message.asp?mid=206445302old
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