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In response to "That is what I was thinking of doing. I get a 3% match on my standard, but thinking a Roth with my extra money? -- nm" by Bacon

I don't really have a choice this year because of taxes

but in your case, it may be a good tax diversification strategy: split it up and pay taxes on what you're putting into the Roth now, and on the other part when you retire.

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