Yes, contribute to the IRA even though you can't deduct it. Then, if you wish, invest/save via a taxable account. IMHO, it is best to have a little in each of the various tax advantage/taxable accounts. With the constantly changing tax laws, it won't give you the best tax outcome, but it won't give you the worst either. And you have the flexability of where you want to with drawl from in the future.JLC
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