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Can someone clarify these rules? If you contribute to a 401k, does that mean you are not eligible
to deduct traditional ITA contributions?

If you contribute to a 401k, I believe there is a cutoff for IRA contributions being deductable, and I believe the phaseout starts somewhere around 30-40k income. If I had more time, I would try to find the exact numbers, but I don't know the exact number offhand. Try looking in the IRA info in TMF.

Also, can you contribute to a Roth IRA whether or not
you participate in a 401k as long as your income is below the limits?

Yes, you can contribute to a Roth and a 401k as long as your income is below the limits.
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