Mark0Young:<<<<... so I would not open the 2004 Roth for you that presumes you will be married on 12/31/05>>>>"I don't understand this comment."Duh, possibly because it makes no sense. You are correct. I revert to my original statement that it is not clear that OP qualifies under the 95k (100k phase-out) for singles for 2004.Regards, JAFO(who amply demonstrated that he is no tax pro; my apologies to the OP)
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