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When your income level exceeds the Roth IRA limits, is there any good reason to use a traditional IRA? It appears to me that tax-efficient investments outside an IRA will give you more flexibility if you need to use them before retirement age. Also you will pay long term capital gains instead of regular income taxes at withdrawl.

Does traditional IRAs have any advantages such as protections during divorce, bankruptcy or liability lawsuits? Not that I ever expect any of this to happen.

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