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In response to "So far every quick google link I found says approximately the following." by Qale

thanks, but i googled before i whined.

i did it when taxcut told me i had exceeded the amount i could contrib., which was zero.

my fidelity gripe is that i already had a roth ira account set-up with them, with some past-year contributions in it. it just let me add-away, no pause, except something re: if my income would exceed the max. allowed (not last year, unfortunately).


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