This doesn't answer the OP's question, but this year my husband and I will max out our ROTH ira's, but also contribute to my husband's TSP, military's version of 401K. Because his earnings will be in a combat zone, the contributions we make will be after tax contributions, or like a non deductible IRA. When we go to pull money out at retirement our withdrawals will be prorated, with some of the money being taxable and other not taxable.
I was planning to contribute this money, even though there is no tax benefit. The benefit is that this money will be set aside for retirement and invested without paying dividends and capital gains.
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