<<<Looking forwards, should I concentrate my efforts on regular or Roth IRA's for the next 5 1/2 years until retirement? I am really not sure if I understand all the ramifications, just trying to do the best I can. Any input would be greatly appreciated. >>>I would continue to put into a Roth IRA instead of traditional if I met the requirements for the Roth. The future tax advantages are too great to pass up. Also have the benefit of being able to pass more on to your heirs.At 59, you could live another 30 years, that 10k+ invested now could be worth a million easy in 30 years, and that would ALL be TAX FREE!JLC
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