We were discussing this at work the other day... what happens to the money once you reach $3M?? Is this a cap on contributions or total account value? I don't think it is feasible to contribute that much so it must be on total account value... once again.. what if you have $2.99M and some of your investments rise... are you required to remove the portion of the money over the cap? Are you still penalized if you are not of age? Lots of questions about this one.
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