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| Why can’t you have both? Especially inside a qualified retirement plan of some type, using dollar cost averaging to your advantage over the balance of your working career. Make deductible contributions in the best years, convert to tax free Roth in bad years. I refer to this strategy as an “individual farmer account”. In 45 years of helping folks establish retirement accounts, I’ve yet to have one complaint they had too much cash outside of the farm at retirement.
Edited by Boone & Crockett 1/7/2025 09:27
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Sand 85. Great post and worthy of discussion
