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I plan to marry in 08 or 09. When I do, our combined salary will be over the Roth IRA threshold, so I won't be able to contribute.

I know I can just keep my money, paltry as it is, in there till I retire -- does anyone know of a calculator that will give me a sense of how much I'll have when I retire? Most of the calcs I've found relate to rolling over IRAs into Roth IRAs.

I also know I can w/draw penalty free up to the original amount contributed for a home.

One other question -- and I realize I'll have to talk to a lawyer to confirm -- if I get married in late 2008, will I be able to contribute up to that date as a single person?
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