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My employer somtimes lists my 401 contributions as after tax contributions... If I leave my employer ... the money will be sent directly to me and will be able to be placed directly in to a roth...

Hmmm.... guess my "to do with as you choose" was a poor choice of words. It's like finding money in the bottom of a drawer or under your mattress. You can use it to buy a DVD player, or take a trip to the Bahamas, or invest in stocks in a long-term buy-and-hold account. Or, all of the above.

I can see why you might like to put it all into a Roth IRA, but as TMFPixy has pointed out, no-can-do -- except for up to $2,000 if you are eligible (plus the possibility of a similar amount for a spouse).

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