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[Steel Penny]

I suggest you speak to your accountant about the possible benefits of transferring all or part of your IRA to a Roth IRA - today. Unless you like to pay taxes. This isn't a IMHO post, this is fact and backed-up by over 45 years experience. But do as you want, Uncle Sam will love your IRA (but don't expect him to thank you).

GLTY&A SEEKERS. This could be a h*ll of a ride. And a long one to boot.