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What's the reason, if any, for funding a Roth too? Has anyone else considered this question and determined a balance or other threshold at which it no longer makes sense to add new money to their retirement portfolio?

Good question...

I think the simple answer is: (in the words of Roseanne Rosanna Danna) "Y'know, it's always somethin'. If it's not one thin', it's somethin' else."

IOW, you really never know what the future will bring, nor what your personal needs will be. Or, worst case, where the market will be or what will happen to your annuity. Consequently, I would load up for bear, if you can (and want to) afford it. Delayed gratification!

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