Very useful info. Thank you very much.I went and took a look at that small rollover IRA which started at $12,000 in 2003 is now $36,500, so gains would be decimated by a hefty fed+CA tax rate.Maybe this is why my brain locked out the backdoor Roth option.I'm going to look into the option to roll this into my 401k account. I have a very good 401k account since 1997 at my current company. Same account number, low cost stock trading, and mutual funds etc.--whyohwhyoh
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