There's a good site for Roth IRA language, rules of thumb, pro/con etc. It's www.rothira.com. (pretty stealthy name, huh?) I haven't done the math yet on Roth IRA costs/benefits, I expect no end of discussion next year from all sorts of experts plus I'll have the whole year to decide (even I can make a decision in that timeframe.)Just another...JackL
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