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Is roth only applicable if your income is at a certain level?

Yes,
Single below 99K, partial between 99K-114K (MAGI), none above 114K
MFJ below 156K, partial between 156K-166K (MAGI), none above 166K

Here's the IRS doc link
http://www.irs.gov/pub/irs-pdf/p590.pdf



Hohum
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