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Under the right conditions, retirement planning with qualified tax deferred vehicles like an IRA or 401k is highly beneficial. Under the wrong circumstances, it is a tax disaster. The rules for qualified retirement accounts are complicated and constantly changing. It is easy to feel like we may be doing something wrong, or that there is some critical detail that we might be missing. Who needs an IRA, and who does not? Should I put more in my IRA, or stop funding it? What kind of IRA is best, traditional, Roth, or some other kind? What if I have the wrong kind? What is the best way to convert m
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