Speaking of freedom to have as many IRAs as I would like - is the $4000 maximum for each IRA or for total contributions? Its your total contribution to all of your IRA accounts for a year.I mention multiple IRA accounts because you also have an existing IRA, and a potential rollover from a previous employer's 401k. These do not all have to go to the same place, nor do they have to stay wherever you initally put them.--Peter
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