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I am not eligible for a Roth or a deductible traditional IRA. I would like to put some more money away in addition to my job-related retirement accounts.

I would like a vehicle that is tax-advantaged but also flexible about when I can start withdrawals, since (God willing) I plan on retiring early, and most of my retirement plans do not allow withdrawals before a certain age cutoff (although I know there's that SEPP option).

Is a nondeductible traditional IRA worth opening? The $2000/yr limit seems kinda puny, and I understand the withdrawals are subject to complicated taxation.

Or should I just open a taxable account and invest in tax-efficient funds inside the account?

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