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    Old Employer’s 401(k) won’t do direct rollovers

    @lostinlove That's not necessarily true. Many 401(k) plans allow you to move tIRA balances into the 401(k). All you have to do is at some point roll those funds out of the IRA and leave the account empty. You're only subject to the pro-rata rule for any funds in the account at the time of Roth...
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