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As for Roth, I do not qualify due to income - one of the downsides to living in a place like CT

But there are ways around "not qualifying". My financial planner showed me if you put it into a regular IRA you can "roll" it into a Roth at the end of the year even if you make way too much to qualify.

So that's the back-door method of getting into a Roth. Once it's invested in a regular fund it can be rolled to Roth.

If you take a tax deduction when you put it into the regular you'll have to pay that back, though - but you probably make too much to take the deduction anyway, so it's a wash.

SG "Rollin' rollin' rollin...keep that Roth a-rollin'....rawhide!"
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