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The other difference is that regular IRA has an RMD after you are 70 1/2 and a Roth doesn't.

Didn't know that, I only have standard IRAs.

And you can pay the tax with outside dollars and effective move more money into the Roth than you took out of the IRA. I think -- it's easy to get lost in that math.

The taxes are the same, you pay the taxes now and get fewer tax free dollars later, or pay the taxes later on the principle and return. It's a wash.

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