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Hello,

I am putting about 14k a year into my 403b TIAA CREF. Which is a combination of my contribution and my employers. This account now totals about 132,000. When calculated out at 10% interest for 24 years when I turn 60 the sum should be 1,110,000. I also am contributing to my ROTH and have about 24k there form an IRA conversion. My concern is that I will end up in a higher tax bracket at 60 than I am in now, our AGI is about 85k. My husbond is also maxing out his contribution to his 401k and ROTH but has started more receintly. I'm considering paying more on our morgage and investing more in individual stocks.

Thanks, Jody
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