re: How much of your paycheck do you put into savings?

quote:

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wish I could still do a Roth

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You can, if you're over the income limit for a Roth ($127K for single I think) you can contribute to a non deductible IRA with post tax dollars and convert them to a Roth the next day. It's called a backdoor IRA, and it's perfectly legal (for now). Check with your accountant to make sure you do it properly though.