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Your IRA manager ought to let you pay your transaction costs from non-IRA funds. If he won't get one that will. You might even be able to invest in Foolish Four stocks through dividend reinvestment programs so that you can make periodic small payments without paying significant transaction costs. Your IRA manager ought to be able to tie a cash account or even an index fund to your IRA brokerage account so that as you make periodic investments they are credited to your IRA. That way you won't have to recognize any interest or dividends in your holding account, either.
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