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IRA excess contributions: Original post by W D Adkins of Demand Media Roth and traditional IRAs offer tax advantages to encourage you to save for your retirement. Contributions to traditional IRAs are tax-deductible. Roth contributions are not deductible, but the investment earnings in a Roth IRA are tax-exempt when withdrawn after you retire. The IRS is strict about following the rules and will hit you with penalties for…

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