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Thank you Roy:
<<Hi there, BrownDoggie...
<<Nope. I think that you may have been looking at the <<REGULAR IRA deduction issues.

I couldn't get this off my mind. I have now gone back and re-read everything. I think I just allowed myself to get emotional when I saw that 30-40k in that one article (referring to DEDUCTIBLE contributions to an IRA). I shouldn't have let myself get emotional and "very very wise"...hehe

<<I don't know about a BIG mistake...but your Roth IRA <<contribution may be limited based upon your post and <<the AGI limits noted above.

BTW I'm very safe on qualifying. I should only make 80 something K this year.
Thanks Again
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