An alternative to the non-deductible traditional IRA might be a Roth IRA. It has a higher income restriction before your contributions are limited.Another option - available this year and next unless (until) Congress make a change. Make the non-deductible IRA and then do an immediate conversion to a Roth. This works best if you don't have any other IRA accounts. It essentially gets around the income limit for Roth contributions.--Peter
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