Q.: A co-worker told me I should open a Roth IRA before I retire because otherwise my Roth 401(k) will get taxed if I use any of it in five years. Is that true and if so, how do I do that when my income is too high to open a Roth? I’ve been funding that for 10 years so the amount in there is not minor.
–Seth in Taos
A.: Seth, there are a…
