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401k and roth ira?


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I keep reading about 401k and roth ira but I am still confused what I should be doing. I am married and have a 401k, but I am wondering if you can have a roth ira as well. I don't really see the difference in benefits other than you either pay taxes now or later. Should I have both or roll over my 401k into a roth ira? Please help me understand!

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