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pre-tax retirement fund: Original post by Wanda Thibodeaux of Demand Media Individual retirement accounts may be pre- or post-tax. Pre-tax IRAs are known as traditional IRAs. With these accounts, the money you use for contributions is deposited before you pay taxes on it; you pay the tax when you withdraw the money from the account. Usually, these accounts can only be in one owner's name, meaning you cannot jointly own…

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