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Hers is the situation:

Inflation adjusted pension of $6000+ per month.

Self-employed with net income of $40,000 - $50,000 per year. Expect to work 3-5 more years.

Spouse does not work.

Existing IRA (Vanguard 2010) with balance of $100,000; existing SEP (individual stocks).

Have $200,000 of unexpected, tax-free inheritance.

Question: what are max amounts I can contribute to the IRA, SEP, spousal IRA, and /or (potentially) Roth IRA? Goal is to fund these accounts to the max over the next 3-5 years so that various investments will grow tax deferred.

I read about limits on each type of IRA, but am having trouble finding how limits apply when more than one type is being used.

Thanks in advance.
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