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A friend recently asked me whether she should open a Roth IRA or a Traditional IRA. In case these terms are unfamiliar to you, IRA stands for Individual Retirement Account—as opposed to a group or company-sponsored type such as a 401(k)—and comes in two main forms: Roth and Traditional. While the two types of retirement accounts have several minor differences, there’s one major difference between Roth IRAs and Traditional IRAs: tax...

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