回复：Traditional IRA

Not worth buying if you and your hu*****and have already fully funded your 401K accounts, in my experience. One day, you may find you have too many accounts to manage, especially if both of you change jobs frequently. For non-Roth IRA accounts, you have to keep records for as long as the account is open to separate the gains from the original contributions. I was tired of that and liquided all those accounts a few years ago.