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Your broker is right. You cannot mix pretax and post tax contributions. If you are sure you don't want to move your money into a 401k that a future employer may offer, then don't worry about it. Go ahead and contribute money as you see fit. But, if you want to take that money into a future 401k, you can't make any contributions to that rollover IRA.

So, the question is, do you want to move that money into a 401k in the future? If not, then don't worry about it. If you do, then you can't contribute to it.
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