re: What do I do with my money next?

quote:

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Step 6) If you already make too much money or after you have maxed out ROTH IRA, max out traditional IRA

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Correct me if I'm wrong, but I thought the IRA contribution limit applied to the combined contributions to both a traditional and ROTH IRA? Hence if you contributed $2,500 to a ROTH, you can only contribute $3,000 to a traditional.