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Since I participate in a 401K, and do not qualify for a Roth IRA, does it make any sense to contribute already taxed dollars to a regular IRA account?

Assuming my retirement tax bracket is the same as it is today, wouldn't my IRA withdrawals be taxed at my normal income rate?

For the last 3 years I have been contributing taxed dollars to an IRA, but now I am rethinking that decission.

If I contribute my annual $2000 to a normal investment account instead of an IRA, my gains will be taxed at either the Long Term or Short Term (Normal Income) rates vs all of it being taxed as Normal Income if it is in an IRA.

Given that I cannot contribute pre-taxed dollars to an IRA and don't qualify for a Roth, can somebody tell me if it is still better for me to contribute to a regular IRA vs a non-IRA account?

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