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I recently opened up Roth IRA accounts for my wife and I, but I am a bit confused on contribution limitations. We might be slipping over the AGI limit in 2008 and I am curious if this just means our contributions are not tax deductible or does it mean we are not allowed to contribute to the funds at all? I am trying to decide whether I should dip into our emergency savings to fund each account to the $4000 limit for 2007 or just keep up my monthly contributions. Any help would be greatly appreciated.
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