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If you are investing $6K anyway would you rather invest it in a taxable account, or spend literally 30 extra seconds and make it non-taxable?

Oh, I agree with your sentiments. Why not stick it in a non-taxable account v. 'what's the point' in general? And certainly if you have no other place to put it to work with such benefits (your "investing $6K anyway" phrase).

What I'm seeing is that my Roth now has stocks that move more than $6K in a day (not a complaint!) and I do a little option trading that often amounts to more than that in a week. I also keep about 10% in cash so I can add new companies without cashing out older ones. The overall amount of the account is virtually unaffected by any $6K additions.

That was my only point about "what's the point?"

But, yes, you are entirely correct in your assessment of the benefits of the Roth features - I'm just looking at alternative places to actually spend the money and, lately, I've come up short!

Pete
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