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Assuming I do not change employers, will this not affect me? I'm not sure how a 401k and an Individual Roth IRA affect one another.

The situation assumed that:
1. you switched employers and
2. you rolled the 401(k) from your old employer over into a traditional IRA

While you may not PLAN on switching employers, sometimes you are forced to do so. Therefore a blanket assumption that you aren't going to change employers may not be valid.

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