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I've got about $80k in a traditional IRA and $35k in a Roth.

I have a BND, VOO, VYM, VNQ in the traditional. I now know that REIT and a dividend fund should be in the Roth.

I'm just real confused about what goes where. I'm seeing conflicting advice about growth stocks in a Roth as well.

My wife and I gross 250/yr so I think we may not even be able to contribute to a Roth either.

I was thinking of making the traditional IRA just VOO, and the Roth just VYM and some growth stocks I could flip every couple years to avoid capital gains taxes.

Does any of this make sense?
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