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We currently have an EF of about 5k in a checking acount. I also have 30k in a money market account. The interest isn't very much. 1.5% or something like that. We are considering putting part of this into an IRA or TSP. How does this affect our taxes? Is that considered federal with holdings? I don't really understand how all this works. What would be the smartest account to put this money in?
 

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I sure would like some info on this also:smhelp:
 
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