Phil, is it possible to choose not to exclude $5,000 of my income in order to legally contribute to a Roth? IIRC, no. I'm far from an expert in this area, but I've seen discussions, both here and elsewhere, which concluded that if you elect the exclusion you can't restrict it to less than the full amount allowable.Pros?I've seen the same discussions, but it's an area where I have absolutely no experience.Ira
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