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I was telling my wife the other day I could kick myself from not going through with changing my traditional IRA over to a ROTH around two years ago when the market was at it's low. At the time I told her that was what I should do. But that's water under the bridge now. When I get to the point of having to draw from my IRA, I'm thinking of just putting it into a ROTH (I'm assuming since I already paid tax) or into my wife's ROTH 403B.
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Marv Evans
'69 911E
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