Which IRA should I get ROTH or regular? Basically I am married and I am currently in the lowest tax bracket (30000 annual income). I plan to invest $2000 and my husband invest $2000 , but we can't decide which IRA. we plan to invest in a mutual fund and stocks.. If we plan to invest in mmf, then which IRA would be better? We won't get the money out till later on in life (60) right now i am 44 and my husband is 63. thanks
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