From: "MichaelC" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Can't max out retirement plans, so looking for advice.
Date: Sun, 12 Feb 2006 15:36:45 -0600
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 wrote in message
news:1139765356.705640.305930@z14g2000cwz.googlegroups.com...
> > How is it that you don't qualify for Roth but can contribute to an IRA?
(You
> > likely don't qualify for either).
>
> Oh. I hadn't thought about it -- it's only become an issue the last few
> months. I guess I figured that I could still contribute to the Roth
> that I have, but come tax time, I just wouldn't be able to claim any
> tax benefits from it. No?

A Roth that doesn't have tax benefits is just like any other non-qualifying
account, since the tax benefits are on the back end.

Mike