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Greetings taylorross,

i know plenty of those people make more money than i do but i can't quite determine why it would make more sense for me to begin contributing to an IRA on a non-deductible basis versus continuing to invest after-tax dollars in the 401K, other than the fact that i would have access to a wider range of investment alternatives...(not necessarily something to ignore)

Ever look into a Roth IRA? http://www.fool.com/money/allaboutiras/allaboutiras03.htm has some details on the Roth as well as IRS Publication 590.

Just a thought,
JB
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