Would you please be so kind as to show me where in Pub 590 Chapter 2 it states that I can roll a IRA/401k directly into a Roth without paying taxes on the rollover or that I can contribute to a Roth and take anything more than the original priciple back out before the 5 year time period without paying taxes on the interest/dividends?It's funny, the Gardner bros. don't think I am too stupid to invest in the stock market on my own, but you seem to think I am too stupid to figure out my own financial retirement plan. It ain't rocket science, buddy.(Which, by the way, I went to school for). God forbid, I would have to bone up on rules and regulations (hoping that the publications only use two syllable words or less) and HORRORS!, I would have to work with NUMBERS!Thanks for the condescending answer. I question your TMF moniker.huntandfish
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