Hi, I made too much and have a 403 at work and hence cannot contribute to IRA. however, I heard that I can contribute to IRA but not take the tax benefit ( have to submit some specific form to IRS)but soon after convert the IRA to Roth.Can anyone help me? is what I heard correct?I thought I can put $5000 in an IRA and use it to invest in dividend stocks for the long term.
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