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Thanks for the info, I'll be sure to look at your analysis. The IRA's are strictly for retirement ( hence the "R" in IRA <grin> ), unless something truly unexpected happens, what goes in doesn't come out until 59 1/2 or later. I'll be making other (hopefully Foolish) arrangements for children's education when they come along.

BTW: in case i didn't mention it in my original post, I am 31 and my wife is 29.

Something else is confusing me:
Is there an AGI cap on the Traditional IRA?

I thought I read that the Roth was for those who had to large an income for the Traditional. Do I have that part backwards?

Much appreciated
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