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  1. Thanks Michael. Appreciate the reply!
  2. Is a non-government 457b considered a retirement plan? If I had a plan available to me would I be considered an "active participant" such that I could not contribute to a traditional IRA? The IRS instructions always refer to plans "such as a 403b or 401k". I haven't seen mention of 457. Also, it is my understanding that (at least for a 403 and 401) that you are a participant whether you contribute or not. Is that the case? Thanks!
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