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I have a question regarding starting a Traditional vs. Roth IRA for my wife and I. We are off to a late start with IRAs. We are still both in our early 30s and for a variety of reasons (long, boring story) have not started them before now. Our employer has an excellent profit sharing/retirement plan.

The issue is this. At the rate of our salary increases, our AGI this year would allow us to contribute to a Roth and maybe will next year, as well but probably not the following year. It does not seem to make sense to start a Roth for a couple of years only to have to start a traditional one in a couple of years but am I missing something?

Thanks, Mark
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