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Money Talk: Pros and cons of opening a Roth IRA

Published 07/21/2013, INFORUM

Q: Everyone talks about Roth IRAs and how beneficial they are. But I am self-employed, my husband contributes 16 percent toward his 401(k), our house is paid off, and we no longer have dependents to deduct on our 1040 tax return. My contribution to my traditional IRA is the only tax deduction we have left. Should I consider a Roth anyway? If so, why?

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