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I've seen dozens of "IRA Calculators" on the internet, but they all seem to share a major flaw... they assume that you'll be making your current salary for the rest of your career. I'm a mid-level computer programmer, currently well withing the income restrictions of a Roth IRA (can someone please clarify those for me, by the way?)... but in five to ten years will probably be making in excess of that.

Does this mean that I should open a simple IRA to avoid the hassle of when I'm no longer eligible to contribute to my Roth, should I just open a Roth now and then open a simple IRA down the road when I'm no longer able to contribute to the Roth, or am I completely off-base altogether in my understanding of how this income eligibility works in the first place?
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