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Suze was talking about a non-deductible IRA, not one that has deductible contributions in it. It would really only be for people that can't contribute to a Roth already.

I assume this is the article you mean:

If so, check out the comments. She leaves out a very key point or two. The second one (2nd from the bottom that is, as they're in reverse chronological) is mine (the one by 'Fred'). Rather than repeat myself, I'd appreciate it if you just went there (you may have to click 'Next' on the front page to see all comments).

Although I'm glad to see that numerous other commenters made the same point.
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