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What is the exact reason why I cannot contribute to an IRA now and get extra on my tax return? Jointly im at 152K is that the reason? My wife and I are both under 40.
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Yes, if you have a employer sponsored retirement plan at work.
See this IRS link for IRA deduction limits when covered by a retirement plan at work.
https://www.irs.gov/Retirement-Plans/IRA-Deduction-Limits
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