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I have agi of about 105,000;to date have about 130,000 in traditional IRA and 5,000 in roth;should all future contributions be made after tax since i already have this amount in the traditional ira; i'm eligible for a non-qualifying plan that shelters pre-tax dollars upto 14%(i put in 8%), plus regular 401k upto 8%(i put in 8% after tax)...rational is 8% reduction to agi via non-qualified plan(which may bite me on the back end should company change hands) and 8% in post-tax(roth) plan which could fund an early retirement....or would it be best to take it all as pre-tax contributions and pay tax at lower rate when agi is reduced? confused?me too!
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