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Why anyone would choose to split their contribution between Roth and traditional, however, is a separate question -- one which I can't find a credible answer to.

I don't believe in using withholding as a forced savings plan. DH and I have a tendency to earn odd amounts here and here that make calculating withholding iffy. Sometimes I only need to put $1,000 ot $2,000 into our traditional IRAs to make tax owed $0, the rest goes to the Roth accounts.

I keep both traditional and Roth accounts going because I haven't seen anywhere where the government has promised, cross its heart, never EVER to tax Roth distributions, no matter how bad the deficit gets. I have 23 years to go at least and a lot can happen in that time.

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