My question is two-fold. First, if my employer puts money into a SEP-IRA for me, does that have any bearing on my limits for investing in my own personal IRA? Second, if our (my wife and I) AGI is $90,000, there is no deductibility for us for an IRA at this time? If this is true, is there any benefit in having a standard personal IRA vs. another investment? Would Roth be a better way to go?