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I am Married filling Jointly with no dependents, with no itemized deductions, just basic filing for a married couple making a total of $50,000. Which

I am Married filling Jointly with no dependents, with no itemized deductions, just basic filing for a married couple making a total of $50,000.

Which of the following is available to you: regular IRA, spousal IRA, nondeductible IRA, ROTH IRA, 401(k)? Tell me which and why? (No need to share salary amounts just the overall concepts)

For each of the following, when can you take money out without penalties?

Standard IRA

ROTH IRA

401 (k)

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