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"The conference report contains no changes in the phase-out ranges for IRAs. Only the maximum contribution amounts change."

Thanks Ira. I'm going to have to do some careful calculations. The ultimate problem is this bloody bear market which makes protecting one's backside a higher priority than optimizing balance of stocks and cash in retirement vs. non-retirement accounts for tax purposes. I'll probably end up with too much interest to be able to do Roth, but I feel safer dripping money into retirement stock account, which I can't touch for a decade, than continuing to add to non-retirement stock accounts, since you never know when you'll need cash.
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