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I started a Roth before I was phased out in being able to contribute any more to it. This does not mean I cannot roll over money to it. I did look into this option but decided not to take the huge tax hit right now with the amount I would have rolled into it from a previous employer's 401k. I didn't roll that money into my existing employer's 401k because the paper work was such a pain in the rear. I ended up moving that money into the financial arm of my bank as a traditional IRA.
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