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Not a standard IRA, but you are eligible for a Roth.
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Please explain.
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Single filers: Up to $105,000 (to qualify for a full contribution); $105,000–$120,000 (to be eligible for a partial contribution)
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There is a black hole in tax advantaged accounts.
When I cant find something better I put extra on the mortgage. So far it's been just about every month.
My fallback is a mix of mutual funds. I'm not sure exactly what it's for, I'll figure it out.