Things I have an extreme amount of aesthetic distaste for: Systems which have an obviously optimal play which civilians are largely unaware of and participants are unable to tell civilians about due to professional guild rules. This is obviously an affront to justice.
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One caveat for people who already have large traditional IRA balances (because they stupidly rolled them over from past 401ks) is the pro-rata rule. One way around that if your current 401k provider allows is to roll your trad. IRAs into your current 401k.
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Why is it stupid to roll over a 401k into a trad IRA?
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