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One advantage of even a non-deductible IRA is that you won't pay any capital gains taxes if you sell any stocks/mutual funds while they are in the IRA (I'm not talking about withdrawing money from the account). You won't pay taxes until you withdraw the money from the IRA. There are some advantages to tax-defered growth. If you think you might be in a lower tax bracket once you retire you might want to look into a non-deductible IRA.

I hope this helps.

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