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What are the main differences between a Traditional IRA and a Roth IRA?

In short, it primarily comes down to taxes โ€“ more specifically, when you pay income taxes on the money you put into the account and how the earnings on that money will be taxed at the time withdrawals are made.

There are certain exceptions to the tax deductions depending on adjusted gross income, filing status and whether you (or your spouse) are covered under a retirement plan at work.

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