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I should have said "while you are still working there and don't qualify for an in-service withdraw". I assumed that once the money was rolled into an 403b or 401k that it could not be rolled out again just like new contributions. Please let me know if that was an incorrect assumption.

You're right - it was the "ever" that I got stuck on. You are correct - once rolled into a 401(k) or 403(b), the ability to roll money over to a Roth IRA is limited based on the plan withdrawal rules. However, within the last couple of weeks, I seem to remember seeing that there were some provisions to allow people to roll from pre-tax accounts to Roth accounts within a 401(k) or 403(b). Of course, your 401(k)/403(b) would have to offer a Roth option, which not all do. And I'm not sure if those provisions were actually implemented, or if it was just speculation. Now, if I could only remember where I saw that......

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