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Here's our situation; hopefully someone can shed some light on our best course of action:

My fiance and I are 21 and 22 years old respectively, so we have a long term horizon. Our joint income is ~$115,000. We currently both invest 10% in our company's employee stock purchase program and 10% to 401K. We have planned to save 30%/yr., so this leaves us 10% or ~$11,000 more to put somewhere.

I would like some sort of tax-deductible (but high growth) vehicle for obvious reasons; do we qualify for either the Roth IRA or ordinary IRA? Apparently even then that will use only $4K of this $11K.. Any way to eek a little more tax-free investing out of that?

Any help is appreciated.. Trying to keep as much of this away from the government as I can :)

Sam
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