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Thanks to all the help from this board, the investing fog is lifting in my head (though I am sure there's many more banks of it ahead... :-).

We've learned a lot about rolling 401(k)s into IRAs, and how that same IRA can be used as a SEP to pour in (ok drip in :-) self employment contributions.

Many recent posts have referred to the fact that adding self-employment contributions to rollover IRAs prevent one from rolling those IRAs back into a (future) 401(k). In conjunction with this, it is usually pointed out that Fools may not much care about this, since they try to manage their own finances - agreed! This is why, after all, we roll these moneys into IRAs in the first place.

I am now trying to get a little bit more deeply into this matter. Are there any other drawbacks to this "tainting" (which I think the IRS calls "commingling")?
For example, does the age at which we can begin withdrawing change? The taxable status of the fund at withdrawal? The penalties for early withdrawal? I am just grasping here - I just want to understand all the implications of commingling, though I am not worried at this point about my inability to roll back into a 401(k) as a result.

Thank you again to those of you that know this stuff. I hope I can repay the favors with technical info on other boards (and of course I do my small part in Foolmart... :-)

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