[TheMetetron]

I started a thread in the Stock Market forum to hopefully get some better answers.

I don't qualify for a Roth IRA, as I make too much.

Also, as a 60 year old, I don't anticipate making less than I do today. If I do, I screwed something up.

I'm fairly certain if I put my investment into a mutual fund or some other stock/bond account, I don't have to pay taxes until I withdraw (capital gains at 15% of the money earned) so compounding isn't an issue. It seems like with a traditional IRA my earnings are taxed at my income tax rate.

I understand it's tax-free now and all that... but having to hold onto the money until I'm 60 with no leeway for investing it somewhere else (house, business, etc) seems like too high of a price to pay for very little benefit.

Anyways, respond in Stock Market if you have any further thoughts.