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TMFPixy write "I can't speak for Intercst, but I'm doing such a comparison based on a conversion of a rollover IRA. While it does a better than using the taxable account first, it fares far worse than keeping the traditional IRA and taking money from there first."

Would not all the usual conversion issues come into play. For example, how close to retirement one is, where the dollars to pay taxes are coming from, etc., as you discuss thoroughly in your article.

Might it not be different for a 25-30 year old who is relatively early in the planning process and not affected by a large conversion, especially if the annual $2000 contributions grow to a large amount over 30 years.

Just curious. Keep up the good work; I am amazed at your resilience in dealing with all us other posters.

Regards, JAFO
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