Hi, I plan to contribute the max to my 403b this year but can afford to save more. I read that you can still contribute further to a traditional IRA, but this contribution will be taxable. If so, in what sense is this an IRA? How is this different than just setting up a taxable investment account? Seems like this would just get me the withdrawal restrictions of an IRA, but with none of the tax benefits... I must be missing something.Any enlightenment?
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