On Jul 5, 1:53 pm, Mike <r...@g...com> wrote:

> Oh, and my Vanguard fund is a Roth IRA. The other two are old 401ks.

You might want to consider converting the 401ks to a standard IRA. The
standard IRA can then be converted to a Roth if your income is low
enough or you can wait until 2010.

--
Ron

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