Sweet. Thanks monocle. Sounds very confusing but I will plow through the information and figure it out. Looks like Ive been missing out on lucrative tax breaks. Never too late though. Really appreciate your time and research! Will say though that I did take advantage of moving my former employers 401K to Roth. Its about 20% of my overall Nio holdings. Wish I could move 80% of my non Roth holdings to Roth but annual contributions are limited to about 7K.
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