<< See the posts of 2/1/98 in this folder, subject "Roth Contributions and Conversions." They will help somewhat to explain things. The decisions are not "no brainers" in this area. >>Thank you (I should've checked first -- sorry). I read the whole thread. Very informative. What I was missing is the earnings potential of the money you have to spend in taxes now for a Roth-IRA. I may still be confused about your analysis though -- see my posting on the thread you mentioned.Ingrid
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