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IRA contribution deductions rules: Who qualifies, who doesnt, and why it matters

IRA contribution rules decide who gets tax benefits and who does not. Traditional IRAs may lower your tax bill, but Roth IRAs do not. Income, filing status, and workplace plans matter. Knowing these rules helps people save smarter, reduce taxes, and plan better for retirement without surprises later.

22 Jan 2026 8:49 pm