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I feel like Turbo's post is a perfect setup, intended or jno. First, I'd agree that a waitress would not be in the 30% - 35% tax brackets. But on the other hand, that same waitress would not know, or need to know, what a Roth IRA is.
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Man of Carbon Fiber (stronger than steel)
Mocha 1978 911SC. "Coco"
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