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First, let me thank everyone who offered advice in response to my prior post about cashing out a Simple IRA to pay down debt.

I've decided against using it for debt.

What I have now is about $5300 in a Simple IRA at Vanguard. That's from my most recent job. I already have a 401K and Roth IRA at TIAA-CREF, and I like them better than Vanguard. (No fees and a lower expense ratio.)

So I want to move the money from Vanguard to TIAA-CREF.

I'm also strongly inclined to get a Roth IRA, even though that means paying income tax on the money. I really like the idea of tax-free growth, but I admit that my desire is fueled more by emotion than reasoning.

I do expect (hope?) to be in a higher tax bracket at retirement than I am now.

I respect the opinions of those on this board, and if there's a really good reason to choose traditional over Roth, I'd love to read it.
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